Purchasing The Correct Car Will Get You Cheap Auto Insurance

One of the factors you should keep in mind when buying a new vehicle is whether or not you can get auto cheap insurance for it. Annual insurance premiums constitute one of the more important costs in operating a car so if you want to keep those costs to a minimum, choosing the right car is essential.

Insurance firms arrive at insurance rates utilizing reams and reams of stats that analyze things like number of incidents, cost associated with those accidents, age of drivers, location of motorists, etc... and what type of vehicles are involved with those accidents. From these statistics they are able to determine which types of cars are more or less likely to be involved in insurance claims and they will adjust their premiums based on this analysis.

According to InsWeb, one of the leading online insurance quoting web sites, the top 10 least expensive 2010 vehicles to insure are:

Kia Sedona

Mazda Mazda5

Ford Escape

Hyundai Santa Fe

Mercury Mariner

Chrysler PT Cruiser

Ford Explorer

Subaru Outback

Kia Optima

Chevrolet Equinox

Conversely, the most expensive 2010 models to insure are:

Acura ZDX

Audi TTS

Audi A5

Cadillac Escalade

Chevrolet Corvette

BMW Z4

Lexus SC

Jaguar XF

Cadillac STS

Dodge Challenger

It doesn't take a genius to figure out that you are not as likely to get cheap auto insurance if you are getting a high priced car. However, if you are able to afford the more than $40,000 that the cars on the most expensive list cost, then you definitely should also be able to pay for the insurance costs.

Insurance premiums are impacted by more than just the cost of the vehicle.

1- Loss history - reflects a specific model's involvement in insurance claims. Of course it isn't the model itself that causes accidents but the driver. Nonetheless, certain cars attract certain, higher risk drivers. That's why high performance vehicles are usually more expensive to insure. Likewise, the most affordable cars don't always make the most affordable to insure list since they tend to appeal to young, first time owners, who also bring high risk profile.

2- Repair costs - it's just less expensive to repair some models over others. Parts supply and price is an important concern. Note how many of the pricey to insure cars are high-end imports.

3- Safety capabilities - Cars that come with lots of safety features like side air bags or vehicle stability control may have reduced claims from severe injuries.

4- Security features - Automobiles with good alarms or vehicle location devices are not as likely to be stolen.

So, if obtaining cheap auto insurance is an important element in your car buying process make sure to review the above lists and go shopping accordingly. Keep in mind however, that these lists are always changing so be certain that you're looking at up-to-date information .

The Cheap Auto Insurance Zone has more information