There are many things that effect the insurance amount that you are
going to pay for a car. Among these things are your age, zip code,
driving record, gender, annual mileage, and even your credit score! The
biggest thing that effects how much your insurance is going to cost
though, is the car that you drive. The cheapest car, does not
necessarily mean the cheapest insurance. There are a lot of things that
insurance companies look at about a car before determining whether it
will be more cost effective to insure or not.
The three main things that an insurance company looks at when
deciding how much insurance for the particular car is going to be is
the theft rate of the vehicle, the safety rating on the vehicle, and
how often that particular vehicle has been reported to be in accidents.
Generally, insurance is higher for sports cars than anything else
because they are known to have a high accident and theft rate. Family
cars usually have a cheaper rate because they are not driven carelessly
and are stolen less frequently.
The number one cheapest car to insure on the market right now is
the 2009 Mercury Grand Marquis. It has a five star side and frontal
safety rating making it one of the safest cars on the market. It also
has an extremely low theft rate and and accident rate.
Next in line after the Grand Marquis is the 2009 Buick LaCrosse.
This car has a five star frontal safety rating. The theft rate and
accident rate are also low on this one. It is believed that the
insurance on this particular car is cheaper because it is a choice of
older drivers who do not do a lot of driving and also drive safer than
many other drivers on the road.
With a five star frontal and side safety rating, the Toyota Avalon
comes in third on the cheapest cars to insure list. It is also another
favorite of more mature drivers making the accident and theft rate low
on it as well. This car has remained on the top cars to insure list for
quite a while.
If you are shopping for a car and need cheaper insurance, keep
these three cars in mind. If they are not quite what you are looking
for, then remember to ask about the cars safety rating, theft rate, and
accident rate. Dealers should be able to give you this information. You
can also call many insurance companies 24 hours a day and get an
insurance quote over the phone to see if it is a price that you can