How does buying a hybrid car affect your insurance rate?

Author's Note

I have a foolproof plan for saving money on gas and car insurance: Don't drive. I pay nothing for insurance because I don't have a car (I live in New York City). Given that this note comes along with an article on hybrids, I should also note that my plan is good for the planet. Of course, there are many people for whom a life of travel by foot, bicycle and public transportation simply will not suffice. Those individuals should consider my second piece of advice: Don't expect owning a hybrid will lessen your insurance rate. Insurance companies will dangle all kinds of fancy "discounts" for having a hybrid vehicle in front of you but in the end, it is unlikely to change the amount you pay.

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