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.

Think You Know It All? Important Tips for Getting the Best Auto Insurance Online

The Internet offers a person a vast amount of information, and you can access it quickly. When you are looking for auto insurance online, however, you will want to consider a few things. These tips are guaranteed to make purchasing auto insurance a success.

Check Insurance Types

When you are comparing auto insurance rates, you will want to make sure you take note of the different types of coverage. The price will depend on the amount of coverage you decide to get, and not all insurance is required. Liability is the type that most states require of a driver because it covers the victims in an accident. Collision and comprehensive covers the cost of repairs to the driver at fault's property and medical bills.

Know Your Car

The only way to get an accurate quote is to know the specifics about your car. You will need to know the VIN number and mileage on the car. In addition, you will need to know where the vehicle is parked, how often it is driven, and any anti-theft devices that are on it. These will give the insurance company the best look at your car without physically seeing it. Some auto insurance online companies require the year, make, and model of your vehicle.

Always Compare

You should never go with the first car insurance company that you research. This is because you will not be able to see if the price is better elsewhere, or if there are negative customer reviews. Take note of reviews you find online, obtain comparable quotes, and then when it is possible, talk to agents in person. This will assist you in deciding which agent will be easiest to deal with following an accident or theft.

Know the Minimum Requirements

When you are looking for auto insurance online, you will need to know how much insurance you desire. The deductibles are one of the main ways that the car insurance rate is determined. This means you will need to know what the minimum requirements are from your local laws to the car loan company. If you have a vehicle that is not worth much, you will want to consider purchasing the least amount of insurance as possible, since it is likely your vehicle will be totaled following a collision.

Check the Discounts

When looking for car insurance, you will want to make sure you look at the discounts available. This is a little more complex when you search online, but it is possible. You may need to take your quote and then look on the company's personal site to see what discounts they offer. You can then take that information for when you contact the company personally. If you find that one company offers, only the discounts you do not qualify for, you may decide to go ahead and cross it off your list. Discounts are only beneficial if you qualify for them.