Q: I recently bought a used SUV–it’s a 2000–and the rates on my FT Worth TX SR22 form certificate policy went up by quite a bit. How come? It’s used. My other car was a 2002, and it was cheaper.

A: Your rates rise on your SR22 form certificate premium may have nothing to do with your change in car, or it could just be that your previous car was cheaper to insure because it was less of a liability risk on your car insurance company. If a vehicle is safer on the road, then this will have a big effect on your car insurance rates regardless of how new or old it is.

Now, since you have an SUV, even if it is older, you are being charged more on your SR22 form certificate policy, not because of age or price, but because SUVs are dangerous cars, especially when it comes to liability. SUVs are more likely to rollover, for one, and if you get into an accident with another car, their size and the placement of their bumper makes the damage caused to the other car much larger. So, while the car will probably keep you safe, it is more likely to cause serious injury, damages, or death among others outside of it.