Which Vehicles Will Help You Save On Auto Insurance?

There are a number of ways to save on auto insurance. The type of car you own is one of them. Because insurance companies consider things like the safety rating and safety features of a vehicle, it's a good idea to know which vehicles will help you save on auto insurance.

What the auto insurance company looks at

When an insurance company determines what to set policy premiums at, they consider your driving record, but also your vehicle. They look at how much it would cost to replace or repair your vehicle, what the safety rating is and what safety features it has. Then they look at things like, 'what's the likelihood of your car being stolen or ticketed?', and similar considerations.

Statistics of interest

• The 2006 FBI Uniform Crime Report showed that a motor vehicle is stolen every 26.4 seconds in the United States.
• Western states account for the largest number of auto thefts, followed by the South, followed by the Midwest, and then the Northeast.
• Your chance that you may be carjacked is higher in urban areas.

Because insurance companies look at your vehicle, one can safely assume there are certain styles and makes of vehicles that are cheaper to insure.

The more safety features your car has, the higher the safety rating. Certain vehicles may possess more safety features – and thus may carry lower premiums. As an example, below you'll find the cheapest and most expensive motor vehicles to insure, according to Jalopnik and Motortrend. Many of these cars come pre-equipped with additional safety features.

Cheapest vehicles to insure (Jalopnik's picks)

• Dodge Grand Caravan
• Chevrolet Impala
• Mazda B-Series Truck
• Lincoln Town Car
• Suzuki Forenza

On the other hand, certain vehicles that may be considered to be "less safe," whether they are apt to be driven more dangerously, or they possess fewer safety features, will be most expensive to ensure. Below is a list of the most expensive vehicles to insure.

Most expensive vehicles to insure (Motortrend's picks)

• Nissan GT-R
• Mercedes G-Class
• Dodge Viper SRT-10
• BMW M6
• Ford Shelby GT500

Whether your car is on the "most expensive" list or the "least expensive" list, we can help you obtain some of the most affordable auto insurance plans on the market. To get started, request your free auto insurance quote today!