Car insurance isn’t usually the first thing that comes to mind when we go vehicle shopping. Sticker price, mpg, special features a car possesses, horsepower, design – things are the things that pop into our heads when considering what automobile to purchase. However, perhaps the cost of insurance should one of the foremost thoughts as we make our vehicle buying decisions. After all, over the entire life of an automobile, the difference between two cars could result in thousands of dollars of difference in total insurance costs.
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So, how exactly does one consider potential insurance costs when car shopping? Well, for one, it’s important to realize that the premium won’t be based on the sticker price alone. A vehicle’s worth is a very important determining factor, but it is not the only one when it comes to car insurance. A particular make/model’s safety ratings, how often that model of car is stolen , and other numerous factors help shape a vehicle’s “loss potential” – which is essentially the likelihood a claim will be filled for that model. The lower loss potential, the less the premium will be.
Let’s say that you seek to buy a car that has the cheapest insurance possible. This list of the top ten least expensive cars to insure for 2010, as complied by Insure.com, is the perfect place to start:
1. Mazda Tribute 2WD 4 Door Utility, $1070.25
2. Honda Odyssey LX 5 Door 2WD SOHC Van, $1095.26
3. Mazda Tribute 4WD 4 Door Utility, $1103.29
4. Chrysler Town & Country LX 2WD 4 Door 3.3L Wagon, $1119.83
5. Jeep Wrangler X 4WD 2 Door 3.8L Utility, $1124.38
6. Mazda Tribute S 2WD 4 Door Utility, $1128.29
7. Dodge Grand Caravan SE 2WD 4 Door 3.3L Wagon, $1131.06
8. Toyota Sienna CE 4 Door Wagon, $1133.97
9. Hyundai Tucson GLS 2WD 4 Door Utility,$1134.08
10. Kia Sportage LX 2WD 4 Door Utility, $1138.41
These premiums are based on a forty-year-old male that has a good driving record and good credit rating. Unless you fit that exact profile, you can expect to pay different rates. All things being equal however, these are the cheapest cars to insure. The may not be flashiest cars on the road, but you won’t be forking over a lot of cash to insure them. If you want to know exactly how much you will pay for insurance, fill out a quote form here at Cheap Quotes Car Insurance. It’s free, easy, and you compare insurance companies and select the cheapest insurance rates possible!