Getting cheap Auto insurance often depends on which car you Drive

If your thinking of buying a new car, insurance Economics should be one of the factors that you consider. Annual insurance premiums are one of the most significant operational costs, so if you want to keep these costs to a minimum, choosing the right car is important.

Insurance companies come to insurance rates using reams and reams of stats that analyse things like the number of accidents, the costs associated with such incidents, the age of the driver, the location of the driver, etc ... and what kind of vehicles are involved in such incidents. From these statistics may determine what types of cars are more or less likely to be involved in insurance claims and will follow their premiums on the basis of this analysis.

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

Kia Sedona
Mazda Mazda5
Ford Escape
Hyundai Santa Fe
Mercury Mariner
Chrysler PT Cruiser
Ford Explorer
Subaru Outback
Kia Optima
Chevrolet Equinox

On the contrary, are the most expensive models 2010 to ensure:

Acura ZDX

Audi TTS
Audi A5
Cadillac Escalade
Chevrolet Corvette
BMW Z4
Lexus SC
Jaguar XF
Cadillac STS
Dodge Challenger

Of course, the first thing that jumps out at you from these lists is that the more expensive than a vehicle is less likely you are to get cheap auto insurance. Most of the vehicles in the most expensive to insure list costs more than $ 40,000, but then, if you can afford the car you should be able to afford insurance.

Besides the cost of car insurance is influenced by several factors.

1-Loss history reflects the involvement of a specific model in insurance claims. Of course that is not the model itself that causes accidents but the driver. However, some cars attract certain higher-risk drivers. It is not difficult to understand why would high performance vehicles on the most expensive to insure list. Similarly, the cars cheaper not always do the least expensive to insure the list because they tend to attract the young, the first time the owners, who carry a higher risk profile.

Repair costs 2-is just cheaper to repair some models than others. Parts availability and the price is an important consideration. Notice how many of the expensive to ensure cars are high-end imports.

Features of 3-security-cars that come with a lot of security features like airbags and vehicle stability control will have reduced claims from serious injury.

4-Security features-vehicles with good alarms or vehicle location devices are less likely to be stolen.

So if you get cheap car insurance is an important element in your car buying process, be sure to review the lists mentioned above and shop accordingly. However, remember that these lists are always changing, so make sure you're looking for updated information.

You will find the most useful information on cheap auto insurance to The Cheap autoinsurance Areas