The Top Picks On Vehicles With Lower Auto Insurance Rates

Before you make your next car purchase, there are some facts that you should be aware of so that you can get the best car insurance rates possible. Many factors are analyzed by the Highway Loss Data Institute on all makes and models of vehicles, including collision claims, theft claims, and injury claims, and these factors will help determine what your car insurance policy will cost due to the risks assessed. Claims are analyzed based on the number of doors, the color, the make and model, safety features included, and any theft deterrent equipment installed, and this information is given to auto insurance companies to help with the risk assessment process for policies.

If you want to save money on your comprehensive auto insurance rate, take steps to lower the theft risk, and this will lower your vehicle insurance costs. Buy a four door car instead of a two door, because car thieves prefer two door vehicles so they have higher insurance costs. Stay away from Sports cars, because these have a high theft risk. Cadillac Escalades are very risky and should be avoided, as well as Lincoln Navigators and Jeep Cherokee Four Dorm Series vehicles. Instead, choose a Toyota Camry, or a Buick Park Avenue. The Buick LeSabre has almost no theft risks at all, and this means the lowest comprehensive auto insurance costs. A four door Mercury Grand Marquis also enjoys cheaper car insurance rates. Another very low auto insurance cost vehicle is the Volvo V70 Station Wagon. After all, who ever heard of car thieves that take station wagons?

Injury claims are another factor that is considered when an auto insurance company decides which rate to charge you, and there are some facts you should consider to help save money on your car insurance with your next car. Vehicles with large or numerous injury claims have higher vehicle insurance costs than vehicles with fewer or less injury claims. Some great cars to choose from include the two wheel drive Chevy Tahoe, the GMC Yukon XL 1500 four wheel drive, the Chevy Silverado 2500, and the two wheel drive GMC Sierra 2500. Some vehicles you should avoid if you want cheap car insurance include the four door Kia Rio, the Suzuki Esteem four door, the four door Kia Spectra, and the Mitsubishi Mirage.

Collision claims are the third major factor that is analyzed to determine your car insurance costs. Cars which are cheaper concerning vehicle insurance include the GMC Safari four wheel drive, GMC Sierra 2500, the four wheel drive GMC Yukon XL 1500, and the two wheel drive Ford Excursion. Cars you should avoid include the Prsche 911 Coupe, the four door Lexus IS 300, the Acura RSX, the four wheel drive four door Subaru Impreza WRX, and the two door Hyundai Tiburon. These vehicles did not fare well in the collision statistics, and because of this it will cost you more to get car insurance on these specific vehicles.