Cars With The Best Car Insurance Rates
Ask yourself when you shop for a new car do, you consider what will be the affect of that car on insurance rates? Maybe not, because there are a very few people who consider if the type of their new car will affect their premiums. But, this is a very important thing to be considered, since the type of vehicle has to do a lot with the amount you pay for the insurance premiums. Thus, if you hope to acquire a reasonably priced insurance policy for your new car, it is important to know what cars have the best insurance rates!
An independent, nonprofit public service organization called. The Highway Loss Data Institute (HLDI,) that supports the Insurance Institute for Highway Safety is engaged in assessing vehicles for the latter and finding out which cars are a high risk or which cars are most likely to be stolen, involved in an accident as the result of a collision or have a high number of injury claims filed. For example, when assessing the risk of theft of a car, HLDI takes certain things into account, such as the number of doors the car has and the color of the car.
According to the organization, four-door cars have a 93 percent less chance of having a claim related to theft as compared to two-door cars of the same make and model. A report from the National Insurance Crime Bureau (NICB) says that cars that have the least claims filed for theft include the Buick LeSabre, Volvo V70 Station Wagon and the Mercury Grand Marquis.
According to HLDI, large vehicles like large cars, pickup trucks and sport utility vehicles (SUVs) are filed for the lowest injury claims. According to the reports of many car retailers following are the cars that are least expensive to insure:
- Chrysler PT Cruiser 4-door Wagon
- Jeep Liberty Sport 4WD 4-door SUV
- Saturn L300 1 4-door Sedan
- Volvo S40 4-door Sedan
- Saab 38600 Linear 2.3t 4-door SportWagon
- Buick Century Special Edition 4-door Sedan
- GMC Safari SLE AWD 3-door Minivan
- Dodge Caravan SE 4-door Minivan
- Saturn ION 1 4-door Sedan
- Pontiac Sunfire 2-door Coupe
Vehicles that are among the least expensive for collision claims include:
- GMC Safari 4WD
- GMC Yukon XL 1500 4WD
- Ford Excursion 2WD
- GMC 2500
Vehicle models with some of the least expensive injury claims include:
- GMC Sierra 2500 2WD and 4WD
- Chevrolet Silverado
- Chevrolet Silverado
- Chevy Tahoe 2WD
