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.