Which cars cost the least (and the most) to insure? And tips to save on car insurance

a man buys a Cadillac Escalade from a dealerIf you're looking to buy a new car, one of the things you should do is check out how much your insurance will change based on the new make and model you choose. While there are many factors that influence the price you'll pay for insurance, the vehicle you drive is an important one. Pick a sports car like the Corvette, which ranks number 5 most expensive to insure, and you'll pay much more than if you had chosen to drive a Kia Sedona, which is the cheapest car to insure.

The list of the most expensive cars to insure and the cheapest cars to insure in 2010 comes from InsWeb, which compared insurance rate requests from customers for over 400 models from January to September of this year. These quotes, and rankings, take into account the quotes for customers of various ages and from different areas of the United States.

The 10 least expensive vehicles to insure are:
  1. Kia Sedona
  2. Mazda Mazda5
  3. Ford Escape
  4. Hyundai Santa Fe
  5. Mercury Mariner
  6. Chrysler PT Cruiser
  7. Ford Explorer
  8. Subaru Outback
  9. Kia Optima
  10. Chevrolet Equinox
The 10 most expensive vehicles to insure are:
  1. Acura ZDX
  2. Audi TTS
  3. Audi A5
  4. Cadillac Escalade
  5. Chevrolet Corvette
  6. BMW Z4
  7. Lexus SC
  8. Jaguar XF
  9. Cadillac STS
  10. Dodge Challenger

For the full listing, which shows the top 25 cars in each category, visit InsWeb.

When you go looking for a vehicle, keep in mind that the performance cars which dominate on the speedway also dominate on the most expensive to insure list. This is because drivers of these sports cars are more likely to engage in speeding and risky behavior, than say a family cruising along the interstate in a small SUV. The value of a car and repair costs are also a huge factor, since a crash in a $50,000 Acura ZDX will cost more to repair than a $25,000 Kia Sedona.

Figuring out how much it would cost you to insure a car is a simple process these days that should only take a few minutes. If you have a local agent you can give them a call, and tell them a few different models you are looking at purchasing. Or if you are looking for new insurance you can get free quotes online from companies like InsWeb and others who will check the rates at numerous insurance providers to help you compare prices -- and the difference between what you currently pay.

While there are a variety of factors that play into how much you will pay for car insurance, Brad Cooper, Senior Vice President at InsWeb, told WalletPop in a phone interview that drivers should make sure their "personal profile" is up to date to ensure they are getting the best rates.

For example, recently unemployed drivers may now drive much less, which could reduce the cost of insuring their car at a time when it is most needed. Because there are many factors at play, Cooper suggests taking time to talk to your agent or insurance representative every six to 12 months to ensure that you are getting the best price and the right amount of coverage.

If you're looking for ways to save on car insurance, check out WalletPop's Best ways to save money on Insurance in 2010. You'll find tips for saving on car insurance as well as home and other insurance. Autos.Aol.com also has a collection of articles that will help you get the best deal on car insurance.

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compare car insurance quotes of different companies at http://www.webtecinsurance.com/

July 08 2013 at 6:19 AM Report abuse rate up rate down Reply

Great article, here are several tips from me on how to get cheaper car insurance:
- Use insurance comparison sites like: ---EliteCarInsurance.info--- . Once you register you'll get free quotes from a lot of insurance companies.
- Ask for group discount.Get as many insurances as you need from the same company.
- Always stay insured.If you cancel your plan even for several days, some companies may consider you as high risk and you may need to pay more next time.
- Car Security Devices.Any extra security measures you take to deter thieves from stealing your car will further decrease the risks you pose to the insurance company.
- Good driving records.That will definitely lower your price.


January 12 2012 at 4:38 AM Report abuse rate up rate down Reply