The type of car you drive today will undoubtedly influence the insurance rates you can expect to pay. Your rates depend on many factors when looking to insure a vehicle, and size and initial cost sometimes play a role in that determination. Factors such as the vehicle’s age, popularity, whether it is a hot item for thieves, the state and zip code, the driver’s age and gender, and the driver’s credit score are also taken into account.
The coverage you choose to insure is also an important consideration. Most states require a minimum amount of liability and, depending on the age of the vehicle, also comprehensive and collision coverage. In fact, collision and full coverage amount to half the annual cost of the policy, so it’s worth choosing your next car wisely.
Most of the cheapest cars to insure on the 2009 list are larger sedans and minivans, with one exception. They had the lowest collision and comprehensive insurance losses. The average auto insurance rate on this list, for a middle-aged man, was less than $ 1,000 a year.
Among the cheapest US-made models to insure.
Dodge caravan
Chevrolet uplander
Chevrolet impala
Lincoln Town Car
Jeep wrangler
Chrysler Town and Country
Mercury grand marquis
Mercury Sailor
Saturn Vue
The list of cheapest foreign cars was dominated by Hyundai and KIA models.
Hyundai santa fe
Hyundai veracruz
KIA Sportage
KIA Rio5
KIA Sedona
Others to consider are the,
Honda odyssey
Honda accord
Mitsubishi effort
Smart Fortwo (Smart Car), a two-seater mini car manufactured by Mercedes Car Group.
So in summary, some of the factors that were included in the 2009 list of cheapest cars to insure are the age and gender of the driver, credit score, driving history, popularity of the car, location and thief records. If you are careful and check the insurance rates first, you should find auto insurance quotes that you can live with.