What Cars Have the Best Car Insurance Rates? | BEST CAR INSURANCE

When consumers shop for a car, they don't usually consider if the type of car they buy will affect their insurance rates. The type of car you buy actually plays a part in whether you pay a high or low premium. If you are looking to acquire a reasonably priced insurance policy with your new car, it is important to know what cars have the best rates.

The nonprofit public service organization, The Highway Loss Data Institute, (HLDI) is a group that assesses vehicles for the insurance industry to find out which cars are a high risk.  By high risk, they mean cars that are most likely to be stolen, involved in an accident as the result of a collision, and have a high number of injury claims filed. When assessing the risk of theft, the organization will look at such as aspects as the number of doors a car has as well as the color of the car. The HLDI has found that "four door cars have a 93% less chance of having a claim related to theft than 2-door cars of the same make and model."  As well, a report by the National Insurance Crime Bureau (NICB) found that "cars that have the least claims filed for theft include the Buick LeSabre, Volvo V70 Station Wagon, and the Mercury Grand Marquis."

According to HLDI, the lowest injury claims filed are large vehicles such as large cars, pickup trucks, and sport utility vehicles (SUVs). Many car retailers report that the following cars are the least expensive to insure:

-      Chrysler PT Cruiser 4dr Wagon
-      Jeep Liberty Sport 4WD 4dr SUV
-      Saturn L300 1 4dr Sedan
-      Volvo S40 4dr Sedan
-      Saab 38600 Linear 2.3t 4dr SportWagon
-      Buick Century Special Edition 4dr Sedan
-      GMC Safari SLE AWD 3dr Minivan
-      Dodge Caravan SE 4dr Minivan
-      Saturn ION 1 4dr Sedan
-      Pontiac Sunfire 2dr Coupe

Vehicles that are among the least expensive for collision claims include:

-      GMC Safari 4-wheel drive
-      GMC Yukon XL 1500 4-wheel drive
-      Ford Excursion 2-wheel drive
-      GMC 2500

Vehicle Models with some of the least expensive injury claims include:

-      GMC Sierra 2500 2-wheel and 4 wheel drives
-      Chevrolet Silverado
-      GMC Yukon XL 1500 4-wheel
-      Chevy Tahoe 2-wheel

A few of the ' Top 2009 Safety Pick Cars' as published by the Insurance Institute for Highway Safety include:

- Large Cars: Acura RL, Audi A6, Cadillac CTS, Ford Taurus, Hyundai Genesis 

- 4-door models built after 11/08, Lincoln MKS, Mercury Sable, Toyota Avalon, Volvo S80 

- Midsize Cars: Acura TL, Acura TSX, Audi A3, Audi A4, BMW 3 series 4-door models, Ford Fusion 2009-10 models with ESC (optional in 2009, standard in 2010)

 - Honda Accord 4-door models, Lincoln MKZ 2010 models, Subaru Legacy, Volkswagen CC 

- Small Cars: Honda Civic 4-door models (except Si) with optional ESC, Mitsubishi Lancer with optional ESC, Scion xB, - Subaru Impreza, Toyota Corolla with optional ESC, Volkswagen Rabbit 4-door models, Volkswagen Jetta, Volkswagen Passat

When determining insurance premiums, insurance companies will look at a car's make, model, safety record, and rate of theft. Knowing these statistics will help you choose the best car with the best insurance rate.

New Cars

If you ever dream about owning an exotic car, then there are many options to choose from. The price range is around 100 grand - 500 grand easily, with most luxurious interiors and powerful exteriors as well. All the rims and gears are top notch, with newest technology plus you won't have to worry about crashing into bumpers as it will have automatic sense steering control system. Of course, the torque and speed will be second to none and world class driver will call you for another ride. Sound cool.

But in reality this could happen for some lucky person and the chances are rare for ordinary people with many other things to spend the money on. Therefore here comes a alternative way to make the dream come true - in a half way. The exotic car wallpaper is the one you can find easily, without a doubt, on the web with just your fingertips. There are many resources and places available to you today for just look and download onto your desktop for free. If you specify any name brand of your dream car, then Google is your friend, and you can easily get those wallpapers and pictures in no second. With such a high quality and resolution, those pictures are clear and professionally taken photos are almost stunning on your monitor.

Even though your driving dream is a bit far away, you can still enjoy your eyes with those beautiful car wallpapers and exotic car pictures plus you can extend your imaginary story without a limit. Think of sitting back on BMW's newest model with sunglasses and on the next your lovely partner. A glass of wine will wait for you guys and you don't have any single bit of worries in your life. It is the most peaceful moment that you can ever dream of. By just looking at and browsing those gorgeous car wallpapers, your fatigue will be already disappeared.

Cool Cars

A car color can give you a lot of insight into the driver and his or her personality. Here are a few cool car colors.

Black - If you want to be taken seriously then a black car is the way to go. It's a somber color but most important officials such as politicians and business tycoons tend be chauffeured in black luxury cars. If you look young for your age and want to be taken seriously, black may be a good color choice for you. This color commands respect while still blending in with the crowd.

Pink - Pink is a very girly color and chances are that the owner of any pink car is most likely a female. Chances are that the car is mostly custom painted since pink is generally not a car that most auto brands have in stock. Drivers of pink cars can be funky, spontaneous and lots of fun. Someone with a pink car probably thinks of herself as a princess and probably tends to be on the high maintenance side.

Silver - It's one of the most popular car colors in the world. Silver is an easygoing color that isn't jarring. It looks particularly good on convertibles, coupes and sports cars. There are different hues of silver, such as light silver and metallic silver which can be very edgy and rather sexy on the right car.

Red - Red is the color of fire and passion. Drivers of red cars love and crave attention and they sure get it. The color red is particularly favored on sports cars like the Toyota Supra or Corvette. However, red cars do stand out on the road. This can be a good thing most of the time except when you've caught the eye of law enforcement.

Green - Green cars can mean different things depending on the shade of green. A darker green car means that the owner is generally conservative and likes to play it safe. However, a shade of bright neon green conveys an attitude of a young and carefree driver,

Blue - Drivers of blue cars tend to be rather traditional and practical. They are no-fuss kind of people who don't want any frills. This color can look very striking on classic American cars and classic muscle cars.

The most popular colors for vehicles in the United States are white, silver and black. So give the color options some thought the next time you buy a car. Your vehicle color may say a lot more about you than you realize!

Sport Cars

Stylish, sexy, sleek, streamlined, spirited and speed demon are all words used to describe sports cars, which are essentially two-door automobiles that are designed for high speeds, great power and smashing good looks. The manufacture of the modern-day sports car began only after 1945, when the economy started booming, technology developed dramatically and better roads were being built. They came in various shapes like convertibles, roadsters, coupes, grand tourers and sedans. Sports-car lovers are either devoted to timeless classics that have been souped up for current times, or are trendsetters looking for the latest kind of exotic car.

From powerful purring beauties like the Mercedes Benz SLK 350 to thundering thrillers like the Ford Mustang V-8, you can choose a sports car that matches your personality. In fact, sports cars are as much about personality as they are about performance - smooth aerodynamic bodies of carbon fiber, chrome pipes and fittings, rich leather upholstery, wide wheels, shiny wooden panels and snazzy paint jobs.

Different brands of sports cars adopt different principles of design. Some cars may be light in order to achieve greater acceleration, others may boast of extremely powerful engines for better car handling and performance, while still others may stress safety and comfort rather than style. The majority of contemporary sports cars have front-wheel drives as opposed to rear-wheel drives, which were more common in the earlier generation of sports cars. Many cars also have the engine in the center, driving the rear wheels, which is unique to sports cars. In these cars, the engine is placed behind the driver, at the middle of the chassis. Porsche is the only sports car that has the engine mounted at the rear, driving the rear wheels. This aspect is a crucial part of car design, as it affects the maneuverability or handling of the car, which is critical at high speeds.

The most well known brands today are Ferrari, Porsche, Lotus, Lamborghini, Bugatti, Aston Martin, Alfa Romeo, Maserati and Triumph. Companies which manufacture other cars also make some sports models; prominent among these are Ford, Toyota, Honda, Chevrolet, Mitsubishi, Mazda, and Nissan. Today, the design and manufacture of sports cars is becoming more specialized and competitive, with newer, more attractive designs and a higher degree of technical sophistication being utilized.