Save on your cheap auto insurance quote by choosing the right make and model. The make and model of your vehicle can have a huge impact on your car insurance quote. The fact of the matter is that some cars are much more expensive to cover than others. Because of this, it is a good idea to talk to your insurance agent before you make a final purchase on your next vehicle. Your new insurance premiums may surprise you. Learn which cars are the most expensive to insure, and what you can do about it.

Find Lowest Quotes by Make and Model

Some makes/models are obviously more expensive to insure, while others may pop up unexpectedly. Insurance costs may vary from company to company, but the risk formula which computes your monthly premium isn’t as flexible. The elements calculated include your driving record, credit score, zip code, age, gender, and especially the make and model of your vehicle.

According to statistical data, your likelihood of filing a claim can be accurately predicted based on the make/model of your car. Sometimes poor-quality cars can sustain more damage in the event of an accident, making them more expensive to repair; other times, certain makes/models will attract a riskier type of driver. One example of this is the sports car: young, thrill-seeking drivers tend to buy these vehicles. Because these drivers take greater risks behind the wheel, they also cause more accidents.

Surprisingly, SUVs are considered less risky to insure because they are so large and visible. Also, because many of them are “built like a tank”, they sustain less damage even in serious wrecks. They are quite top-heavy though, which means that something which would only be a minor accident in a sensibly-sized car is more likely to turn into a worst case scenario with an SUV.

Unsurprisingly, minivans tend to be very economical when it comes to insurance rates. These vehicles are usually owned by cautious mothers with several children, and thus are driven more defensively and safely. Compare affordable vehicle insurance quotes today!

How to Find Cheaper Car Insurance and Lower Your Premiums

Lowering your premium can be challenging. Sometimes, even the tiniest little detail, like a slightly older model or a luxury accessory, can drastically change your premium. Take the convertible, for example: Its sporty soft-top will cost you more on insurance due to the sporty factor, and because of the car’s overall weaker structural integrity.

Also keep in mind that a high sticker price usually means a high insurance premium. Fixing a dented bumper on a Jaguar will cost much more than the same type of bodywork on a Hyundai, for example. Remember, each vehicle has more than one element to evaluate: While a Civic might be cheap to purchase, its high rate of theft will make it more expensive to insure than a comparable model with a lower profile.

When considering which factors will lower your premiums more dramatically than others, remember that the largest part of car insurance is Liability. After that is Comprehensive and Collision. Coming in last is Medical Payments.

In the end, focus on safety above all else. A safe vehicle will protect you and your passengers from injury, cost less to repair/replace, and grant you the cheapest auto insurance premiums in the long run.

Tips for How To Find Cheap Car Insurance Quotes Online

Is your car on the list of most stolen cars in America? If it is, you may be paying higher premiums than drivers of less frequently stolen vehicles. Any car can be stolen, but some are more vulnerable to it than others. According to statistical data, car thieves usually target specific vehicles for specific reasons. These trends are reflected in low cost automobile insurance premiums. But don’t despair: a good anti-theft device will help lower your premium and protect your investment.

The National Insurance Crime Bureau reports that the following cars have the highest risk of theft:

• Honda (HMC) Accord

• Honda Civic

• Ford F-150 (Full Size)

What are you waiting for? Start comparing cheap auto insurance quotes now!