Discount Auto Insurance - What Cars Are Cheaper to Insure

By [http://ezinearticles.com/?expert=Joseph_Welusz]Joseph Welusz

If you can't satisfy the rush you get from speed and buy a smaller, sportier type of automobile that can rip up the street, you most likely won't be able to discover discount auto insurance. Research by insurance companies prove that smaller automobile are more likely to be in an accident because the owners of sporty model automobiles drive their automobiles in ways that make them more vulnerable to accidents. Another reason is that younger drivers who take more risks while driving typically buy these types of car because they are more affordable.

Each year, there are stats reviewed by the Insurance Institute for Highway Safety concerning the insurance losses associated with the most popular vehicles. Since insurers use these same factors to set rates, knowing how much the insurance for a automobile will cost before you but it may save you from making an expensive mistake. In 2008, the Institute rated the Hyundai Tiburon, the Subaru Impreza WRX, the Scion tC and Mitsubishi Lancer among the top 5 most expensive automobiles to insure.

Surprisingly, the vehicle that leads the way on the Institute's list, is the Cadillac Escalade, it is a luxury SUV commonly owned by a more affluent and older driver. So what causes this vehicle to be so pricey to get insurance for? Car thieves love the Cadillac Escalade. The truck has become a cult status because of its relationship with superstars, making it one of the most desirable trucks among thieves, this causes the comprehensive coverage for this SUV to costs six times more than the national average.

Of course, if you are talking about the most costly automobile to get insurance coverage for, then you will normally get around to talking about the least pricey to insure. If you are trying to reduce your insurance rate, look for the more recent versions of what is known as a "family car." Cars that fall into this group are commonly mid-size SUV's, minivans and four door cars. The people who commonly buy these "family cars" have a strong reputation for cherishing safety. These cars are less likely to be used as your commuting vehicle, therefore, avoid the risk associated with rush hour traffic. Some of the least expensive automobiles to insure include the Buick Rendezvous, the Subaru Outback, the Honda Pilot, and the Chrysler Town & Country.

The Ford Taurus, a med-sized four door, was on top of this list. Insurance companies love Taurus owners because they prize safety above all other things. Automobiles like the Taurus are parked carefully away in garages when not being used, also reducing their risk of theft. Additionally, auto thieves usually don't try to locate these kinds of cars, which in turn raises their value to insurance companies.

Before you go out and buy your next automobile, consider the following tips:

- When getting free insurance quotes ask your insurance company if any of the vehicles you are considering have higher rates then the average car. - Ask if any of the the vehicles you are considering cost more to repair or a high chance of being stolen. - More expensive vehicles commonly come with a higher insurance cost so you might want to consider avoiding these. - Safety saves you dollars. Look at results from crash tests, the likelihood of rollovers, if any recalls are in place and consumer complaints.

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