American Cars vs Japanese Cars. Which Ones To Buy To Get A Better Insurance Rate

american vs japanese car insurance

When buying car insurance, you don’t have to rush into making a decision. It usually starts with looking at dozens of makes and models which to be honest is overwhelming. The type of car you drive greatly affects the premium you will pay. If you want to get car insurance online and you want to choose between American and Japanese cars, there are numerous things to consider before deciding what to buy.

Although car insurance is a necessity for all drivers, it doesn’t make it any less cheap. It is a costly investment and most drivers search for cheap car insurance online to reduce the costs they spend on insurance.

As much as different factors affect your car insurance rate like age, driving record, credit history and more, the car you drive shouldn’t be ignored for it is an important factor.

It may be unclear what car has better insurance between American and Japanese cars but what you should consider is the different things which make each of them better to insure and they are;


You have to look at which of the two cars is considered safe. Japanese cars are said to be safer than American ones because they develop technologies that raise the standards of automobile safety.

A study conducted by the Insurance Institute of Highway Safety (IIHS) revealed more Japanese cars than American ones. However, American cars have caught up too since a number of their vehicles were also picked like the Ford Escape and more that are believed to be just as safe.

Therefore having looked at the safety factor, choosing a vehicle among the two that is safe is extremely important. This is because safe cars are less prone to accidents since accidents cause high insurance rates. If you want better insurance, choose a safer car.


A car’s reliability is a very important factor to look at. This is because it shows whether a car is prone to failure or not and if you can trust that its parts will last as long as they are specified to last like the body, power train and others.

Although Japanese cars were considered more reliable, it was revealed that both cars are considered to be reliable and dependable and when looking at that, its specific features and parts are considered. Therefore when choosing which car to buy, consider which one is more reliable. This will protect you from future catastrophes due to a car’s model. This careful planning also helps you get better insurance.

Size of the Car

The size of your car is also important to be considered, whether it’s big or small, old or new should be looked at. Older cars are more likely to be stolen because they don’t have alarms. Before making a decision, look at the size of the car you want and see where it falls, either Japanese or American.

Before choosing any of them, consider the size of the car and all the consequences that come with it. Older cars are also common with young drivers and there are more prone to thefts and accidents due to reckless driving hence high insurance rates.

Big flashy cars are also susceptible to theft and sometimes they have higher insurance rates. However, some old vehicles also have a high insurance premium. Therefore you can’t be sure until you look at all this before making a decision.


Before choosing which car to buy, its price should be considered. The price of a car is not important when it comes to car insurance because some expensive cars may have low insurance rates while some cheap cars have higher insurance rates but the things that result from it should be kept in mind. It doesn’t matter if you buy a Japanese or American car, expensive cars tend to attract thieves and are more susceptible to accidents. This, therefore, leads to more claims hence a rise in insurance rates.

Japanese cars may oftentimes bring about high insurance rates because of the high cost of repairs that are incurred due to foreign vehicles. American cars however don’t encounter such difficulties because their parts are available and can be gotten anywhere.


Before making a decision on which car to buy from the Japanese and American cars, you should consider the overall quality of a vehicle. Quality often means strength and longevity. While Japanese cars tend to last for a longer period of time, American cars are muscle vehicles because of their engine that is considered to be powerful.

American vehicles despite their strength consume plenty of petrol due to their engines while Japanese cars don’t require that many repairs due to their quality.

Cars that don’t have quality tend to encounter lots of accidents and car repairs. This is because cars can’t last long leading to more claims and high insurance rates. You should consider the quality of the specific model of the car you are buying. Whichever it is, either a Japanese or American, look at its overall quality and whether it can stand the test of time.


With this age of competition and comparison, everyone wants to have the next big thing and what is pleasing to look at.

Most people are after cars with style and those that are pleasing and there’s nothing wrong with that.

But, when looking at the style and design of the specific vehicle you are buying, you have to know that big flashy beautiful cars though they are great buys, are susceptible to thieves hence an increase in the number of claims filed leading to high insurance rates.


Therefore if you want better car insurance quotes online, you have to know what type of car will best suit your needs. Is it a Japanese or an American car? That is something you have to decide if you want to buy car insurance online. The type of car you choose depending on the above factors will determine the amount you pay in insurance. It is good to choose wisely and make the best choice that will not only please you at the moment but in the long run as well.


Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation