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The Most Expensive and Least Expensive Cars to Insure
From Sports Cars to SUVs, What You Drive Impacts What you Pay in Auto Insurance Premiums
Sizing up Insurance Costs
High-End Cars, Higher Premiums
The 10 Most Stolen Cars in 2008
The 10 Least Stolen Cars in 2008
Avoid insurance sticker shock. Find out if your vehicle is theft prone before you bring it home.
Higher Insurance for Sports Cars
Your Age, Your Driving Record, Your Residence
What’s more, if you’ve had accidents in the past, you’ll inevitably pay more for car insurance than drivers who haven’t, regardless of the type of car you drive. Many insurance companies put extra emphasis on driving records compared to factors such as MSRP or engine size, simply because people who have accident histories are considered a greater risk.
Finally, your residence also plays a part in how much your insurance will cost. People living in urban areas where theft and accidents are more likely to occur will usually pay more in car insurance premiums than people who live in the suburbs or rural areas. Where you live also impacts your driving patterns. Commuting long distances to work, for example, puts your car on the road more often and for longer periods of time, increasing your chances of an accident.
It’s a good idea to do your homework before you buy your next vehicle. This process includes reviewing what kind of insurance policies are available and what your provider — potential or current — can offer you in the form of an auto insurance quote. Our articles How Much, and What Kind, of Car Insurance You Need and How to Choose the Right Auto Insurance Company will help you with this research.
Keep in mind that when it comes to calculating your premium, automobile insurance providers look at the entire picture, including your age, your driving record and your residence, along with the size, price, horsepower, safety and theft probability of the car you drive. Talk to your agent or research information about the vehicle online, ahead of time, to determine how you and your vehicle fare in each of these categories.