The 10 Best and 10 Worst Cars Based on Auto Insurance Cost

Underwriters prior to setting rates for car insurance consider a multitude of factors. Amongst the many things that impact how much you pay for your auto coverage are your driving record, your credit score, where you live, how old you are, your gender, how you use your car and the car itself. Within each of these factors are multiple other details to be considered.

The car you drive is a very important consideration in the price you pay for car insurance. The more you know about how the make and model of your car helps to determine your premium, the better equipped you are to make good choices when it comes to buying a car that is more affordable to insure.

The most important features of a car in terms of insurance include the following.

· Theft Rating – If the car’s make and model has a high incidence of theft, you will pay a higher premium to insure it.

· Safety and Durability.- If others with the same kind of car or truck you have, make more than the usual number of claims for similar damage, it is likely that there is a flaw with the vehicle. This will lead to higher premiums.

· Price and When The Model Was Launched – Higher priced vehicles typically incur higher repair bills because parts are more expensive. In addition, if a vehicle was launched recently, there is very little data available on it concerning accidents and claims; therefore insurers are likely to overcharge on premiums to ensure that they are sufficiently covered.

· Performance – If your car is considered to be high performance or sporty, the risk of serious accidents increases and therefore your premiums will too.
To help you understand the difference a car can make to the premium you pay for car insurance, the following examples have been provided. The rates quoted are for a 40 year old man who commutes 12 miles to work daily. The deductibles for collision and comprehensive coverage are $500. The premium is based on 2009 data for a 6-month policy.

The cars, which are the cheapest to insure, include:

1. Hyundai Sante Fe – $832.00
2. Kia Sportage – $840.00
3. Hyundai Entourage – $848.00
4. Kia Sedona – $857.00
5. Kia Rio 5 – $870.00
6. Honda Odyssey – $871.00
7. Smart ForTwo – $881.00
8. Saturn Vue – $911.00
9. Mazda Tribute – $913.00
10. Chrysler Town and Country – $915.00

The worst cars to insure include these:

1. Nissan GT-R – $2,533.00
2. Dodge Viper – $2,446.00
3. BMW M6 – $2,236.00
4. Ford Shelby GT500 – $2,186.00
5. Mercedes Benz G Class – $2,088.00
6. Audi S8 – $2,071.00
7. BMW M5 – $2,020.00
8. Hummer H2 – $1,912.00
9. Lexus ISF – $1,881.00
10. Porsche 911 – $1,809.00

If you have the same vehicle but pay more for your coverage, it may be because of where you live, your driving record, credit score or other factors. In addition, it is important to shop around carefully for car insurance quotes. Different companies weigh the various factors differently resulting in price quotes that can vary greatly from one company to another.
Before you buy or renew your car insurance be sure to shop around for the best price, regardless of the car you drive.  Visit InsuranceBestPrices.com to compare all of the top auto insurance companys’ rates and finder cheaper auto insurance.