What Cars Have the Best Car Insurance Rates?
When consumers shop for a car, they do not normally consider whether the type of cars that they buy to affect their insurance rates. The type of car you buy does play a role, whether you pay a high or low premium. When you purchase a cheap insurance with your new car, it is important to know which cars have the best prices.
The non-profit public service organization, is The Highway Loss Data Institute (HLDI), a grouprated vehicles for the insurance industry to determine which vehicles are exposed to a high risk. Through high risk, they mean that most cars are likely to be stolen, are involved in an accident as a result of a collision and filed a high number of injury claims. In assessing the risk of theft, the organization will look at issues such as the number of doors has a car, and the color of the car.
The HLDI has noted that "four-door cars have one 93% less chance of aClaim of theft as a 2-door cars linked by the same brand and model. "As well, found a report of the National Insurance Crime Bureau (NCIB) says that" cars that have at least submitted claims for theft, the Buick LeSabre, including Volvo V70 station wagon and the Mercury Grand Marquis. "
After HLDI, the lowest injury claims are filed, large vehicles like large cars, pickup trucks and sport utility vehicles (SUVs). Many car dealers report that the following vehicles are the leastexpensive to insure:
– Chrysler PT Cruiser 4dr Wagon
– Jeep Liberty Sport 4WD 4dr SUV
– Saturn L300 1 4dr Sedan
– Volvo S40 4dr Sedan
– 38,600 Saab SportCombi Linear 2.3t 4dr
– Buick Century Special Edition 4dr Sedan
– GMC Safari SLE AWD 3dr Minivan
– Dodge Caravan SE 4dr Minivan
– Saturn Ion 1 4dr Sedan
– Pontiac Sunfire 2dr Coupe
Vehicles that are among theleast expensive for collision claims include:
- GMC Safari 4-wheel drive
- GMC Yukon XL 1500 4-wheel drive
- Ford Excursion 2-wheel drive
- GMC 2500
Vehicle Models with some of the least expensive injury claims include:
- GMC Sierra 2500 2-wheel and 4 wheel drives
- Chevrolet Silverado
- GMC Yukon XL 1500 4-wheel
- Chevy Tahoe 2-wheel
A few of the ‘ Top 2009 Safety Pick Cars’ as published by the Insurance Institute for Highway Safety are:
– Large Cars: Acura RL, Audi A6, Cadillac CTS, Ford Taurus, Hyundai Genesis
– 4-door models built after 11/08, Lincoln MKS, Mercury Sable, Toyota Avalon, Volvo S80
– Midsize Cars: Acura TL, Acura TSX, Audi A3, Audi A4, BMW 3 Series 4-door models, Ford Fusion 2009-10 models with ESP (optional in 2009, standard in 2010)
– Honda Accord 4-door models, Lincoln MKZ 2010 models, Subaru Legacy,Volkswagen CC
– Small Cars: Honda Civic 4-door models (except Si) with optional ESC, Mitsubishi Lancer with optional ESC, Scion xB – Subaru Impreza, Toyota Corolla with optional ESC, Volkswagen Rabbit 4-door models, Volkswagen Jetta, Volkswagen Passat
In the determination of insurance premiums, insurance companies will be on a car's look, model, safety record, and the rate of theft. Knowledge of these statistics will help you the best car with the best insuranceRate.
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