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Will My Car Insurance Company Do A Smog Check On My Vehicle?

It is common to allow inspectors to do a check on the fuel emissions or a smog check on your car upon registration. The reason that smog checks are done is so that the government can collect data. They want to learn which makes and models of cars are emitting the most smog, and which are emitting the least. Although you may think that vehicles emitting more smog than others would cost more money to insure, the truth is that your insurance company will not factor in any type of emissions testing into your insurance costs.

The reason that smog does not factor into your insurance is because whether your vehicle emits a lot or a little doesn’t have anything to do with your level of risk. In other words, you aren’t more likely to get into an accident if you have more smog compared to someone with less smog – emissions aren’t a variable in the equation for determining insurance rates. Most people assume that hybrid car insurance is cheaper – and they are surprised when they learn it can actually be more expensive in some cases.

When will I need to get a smog check for my vehicle?

1. Annual inspections – If you get your car inspected on an annual basis, they may check the emissions and smog levels. They will do a specific test in order to determine how safe your vehicle is in addition to testing its overall efficiency. If your vehicle does not pass a safety inspection, you will need to make necessary changes so that it is safe before you consider driving again.

2. Vehicle Registration – In the U.S., there are some states that do require smog checks upon registering your vehicle. The reason that these states require a smog check is so that they can limit harmful emissions from vehicles. As you already know, there are many big cities in the world (e.g. Mexico City) that are dealing with extreme air pollution. Many states in the U.S. will make sure that your vehicle emits smog levels that are low enough to prevent the beautiful skies from being polluted.

What happens if my smog levels are too high?

Anytime your car does not pass a smog test, you will need to take it to a mechanic to repair the problem and lower the smog. After the mechanic has fixed it up, you will be required to take it in for another official test. The second test may cost you money out of pocket due to the fact that you failed the first one. Most people don’t have any problem passing the first time, but there are certainly old vehicles that need some work done to improve the smog situation.

Obviously you will still be able to keep your car insured even if you fail your smog check. As I already mentioned, insurance companies are not concerned with smog levels because it doesn’t affect the assessed risk of the individual. Things that insurance companies look at include: type of car, make and model, safety features, estimated value, age of the driver, and more. They take these variables and then try to give you a quote based on how risky you seem.

Why You Should Be Conscious of Smog Emissions (Video)

What to know about car safety inspections in regards to insurance

Anytime you are required to get the safety of your vehicle inspected by state law, it needs to pass the inspection so that you can legally operate your motor vehicle. If you fail the inspection, you will be assigned a period of time – generally 2 to 4 weeks to fix the problem. If you fail to modify your vehicle to be in accordance with state regulations, you may not be granted a renewal on your vehicle registration – this can lead to all sorts of miscellaneous problems with the DMV.

Your best option is to fix any problems with your vehicle and get it checked annually for any problems in regards to smog, broken parts, inefficiency and more. If you want to learn more about your state’s car insurance requirements, you can contact your auto insurance company and ask them questions or contact the DMV. If you need to get a quote to find a new insurance policy for your vehicle, please use the 100% free tool at the top of the page.

Just enter your zip code and get quotes from leading providers based on your location. Hopefully you never have to deal with a vehicle that emits too much smog or has safety problems, but if you do, the advice presented in this article should get you back on the right track.

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