Cheap Car Insurance | Cheap Car Insurance and What You Drive

Are small cars the cheapest to insure?

Not likely! Small cars can cost more to insure because of who drives them!

There are several factors that insurance companies take into account to determine insurance rates on car models.

• safety equipment (side airbags, alarm, ABS, Stability Control)
• crash test results
• cost to repair
• frequency of claims
• frequency of theft
• typical driver

If you’re looking for cheap car insurance check out the lists below for who is likely to be the car’s driver.

According to the HLDI (Highway Loss Data Institute), for 2004 – 2006 model years the lowest loss cars, and therefore the cheapest to insure, are:

Lowest losses: All Coverages	Size/class	Average =100
Ford Five Hundred 4WD	Large four-door models	63
Buick Rendezvous 4dr 4WD	Midsize SUVs	64
Buick Lucerne	Large four-door models	65
Buick Rainier 4dr 4WD	Midsize luxury SUVs	65
Honda Odyssey	Very large station wagons/minivans	65
Ford Freestyle 4dr 4WD	Midsize SUVs	66
Subaru Outback 4WD 5dr	Midsize station wagons/minivans	66
Buick Rendezvous 4dr	Midsize SUVs	68
Honda Pilot 4dr	Midsize SUVs	68
Chrysler Town & Country LWB	Very large station wagons/minivans	69

And the highest loss cars are:

Highest losses: All Coverages	Size/class	Average =100
Cadillac Escalade EXT 4dr 4WD	Large specialty trucks	192
Subaru Impreza WRX 4WD	Small four-door models	182
Hyundai Tiburon	Small two-door models	168
Mitsubishi Lancer	Small four-door models	167
Scion tC	Small two-door models	166
Acura RSX	Small two-door models	163
Nissan Sentra SE-R	Small four-door models	156
Suzuki Forenza	Small four-door models	153
Nissan Sentra	Small four-door models	148
Mitsubishi Eclipse	Midsize two-door models	148

As you can see, most of the highest loss cars are small car models.

The lowest loss cars are family-oriented models with moderate performance.

If you drive a car that is popular with young drivers, thieves, or is high-powered, then you will not have cheap car insurance!

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