Consider Which Cars are Cheap To Insure
When you think about the price of a new car you tend to just consider the actual price you pay for the car. But there are other costs that are not reflected in the sticker price. One of those costs is insurance. As a rule, the cheaper the car, the cheaper the insurance. Domestic models are generally less expensive than their foreign counterparts. Also 4 door cars are cheaper to insure than two doors. Four cylinder engine cars are less to insure than cars with more powerful motors.
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NOTE: Of course, car insurance rates vary by location, driving record, and other factors. Run a Quick Online Car Insurance Quote Form To Compare Car Insurance Prices Accurately.
Some of the increased cost of insurance has do with the cost of repairs. In general, the more expensive cars cost more to fix. For instance some luxury cars have aluminum body panels that are more expensive to repair or replace than the sheet metal variety. The insurance company knows this and will increase your rates accordingly.
Insurance companies also don’t like high horsepower cars. They figure if you buy a car with excess horsepower, you bought it because you like to go fast. Statistics and insurance claims support that assumption. Small sports cars are more likely to be involved in crashes than your basic small economy car.
Sport Utility vehicles even though they are not fast cars tend to cost more to insure because of the damage they inflict. If you drive one of those and hit another smaller car, chances are you will cause significant damage. That is why the insurance company will generally raise your liability premium (which covers damage caused to other cars) when you buy an SUV.
So what’s the cheapest car to insure, and what’s the most expensive –
MSN Money reports currently the 10 most expensive cars to insure according to the Highway Loss Data Institute are as follows in order of most expensive to least:
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Mitsubishi Lancer Evolution
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Mercedes CL-Class
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Dodge SRT-4
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Subaru Impreza WRX
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Jaguar XK (convertible)
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Lexus IS 300
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Honda S2000
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Acura RSX
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Nissan 350Z
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Jaguar XJ
There seems to be a bit of a dispute over the 10 cheapest to insure so I’ll give you two lists. The first list is from the same source as the most expensive car to insure shown above and the second according to leading car retailers.
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Volvo XC90
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Chevrolet Malibu Maxx
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GMC Safari
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Buick LeSabre
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Nissan Pathfinder Armada (2004 only)
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Pontiac Montana (standard model)
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Mazda MPV
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Ford Thunderbird
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Pontiac Montana (extended model)
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Ford Taurus
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Chrysler PT Cruiser 4dr Wagon
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GMC Safari SLE AWD 3dr Minivan
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Dodge Caravan SE 4dr Minivan
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Saturn ION 4dr Sedan
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Pontiac Sunfire 2dr Coupe
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Jeep Liberty Sport 4WD 4dr SUV
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Saturn L300 1 4dr Sedan
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Volvo S40 4dr Sedan
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Saab 38600 Linear 2.3t 4dr SportWagon
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Buick Century Special Edition 4dr Sedan
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