slp

They Don't have to ask what color it is, :nono: All they need is the VIN #, and yes the Color of your Car Does affect Your Insurance Rate. My best Friend, Was an Insurance Agent for Progressive (He died in an accident over a year and a half ago) But he told me Red and Black Cars have the Highest Rates, and Yellow and White Cars have Lower Rates. But what really got me was when he told me that your Credit has the Biggest part in Determining your Insurance Rates. [/b][/quote]
The VIN has no indication of color within it. I do not think there is some magic database that matches VINs to the factory color. And what about repaints?

I recently shopped for a different insurance company, and of all the ones I contacted (and I looked at several), none required either the VIN or color before giving the quote--just make, model, year, and a few options.

Skorch52

I agree - the color of the car is on the data plate, but NOT in the VIN. I've never had an insurance agent take down all the data plate info...

I've used a number of insurance companies through the years (I'm 38) and have never had to tell them what color the car was - although they always want to see the car at the time you take out the policy, and now they all want pictures before finalizing the deal. So if the color of the car had anything to do with it, I guess they could tack it on. That said, I have always gotten rate quotes without ever having to tell them the car color - and the rate did NOT go up when they found out it was super-bright-go-fast-to-get-your-attention RED. B)