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Least Expensive Cars to Insure

Here's what you need to know...
  • The least expensive cars to buy insurance for are those with low-rate of theft, inexpensive replacement parts, and proper safety and anti-theft features
  • The total cost of the vehicle comes into play when insurance companies consider the price to insure the vehicle
  • One of the most popular and easiest discounts to obtain is a multi-policy or multiple lines discount
The least expensive cars to buy insurance for are those with low-rate of theft, inexpensive replacement parts, and good safety and anti-theft features.

According to Yahoo.com, the least expensive vehicles to insure are:

  • Ford Taurus
  • Buick Rendezvous
  • Buick Lucerne
  • Ford Freestyle 4WD
  • Buick Rendezvous
  • Chrysler Town & Country
  • Honda Pilot
  • Buick Lacrosse
  • Dodge Grand Caravan
  • Ford Explorer

But they also recommend:

  • Honda Odyssey
  • Chevrolet Uplander
  • Toyota Highlander
  • Toyota Sienna

To be a responsible consumer, it is important that when shopping for a new car you consider all cost and concerns. Often people buy a vehicle thinking they can afford it only to find that cost of insurance is to high priced and that individuals cannot afford the monthly payments for car insurance.

This is why it is critical to check the price of insurance before purchasing a vehicle.

The vehicles listed above are affordable cars for everyday Americans. They have a high value placed on safety and affordability. This makes their parts less expensive than other vehicles.

The safety features included in these vehicles means that if an individual is least likely to suffer severe injuries then other vehicles like a high priced sports cars that are built more for speed than safety.

To find and compare car insurance rates online just enter your ZIP above!

What are the least expensive car models to insure in America?

AdobeStock_84897780-1600x1600Often the least expensive cars to insure in America are vehicles manufactured by Ford, Buick, Chrysler, Toyota, and Dodge.

These vehicles are often built with solid safety features, and the parts are also less expensive than those of other models. Also Fords, Toyotas, Dodges and Chevrolets are least likely to be stolen.

Also, Fords, Toyotas, Dodges, and Chevrolets are least likely to be stolen than other vehicles like a Honda Accord. the total cost of the vehicle comes into play when insurance companies consider the price to insure the vehicle. Many of the

The total cost of the vehicle comes into play when insurance companies consider the price to insure the vehicle. Many of the manufacturers mentioned above make models that are extremely affordable for middle-class America.

This makes them less expensive to insure because the vehicle cost less to manufacturers and the parts to fix the vehicle are easy to obtain and cheaper.

Often cars that feature a high purchasing price or a sports car model that is built for speed, instead of safety have extremely high insurance rates.

These vehicles offer more of a risk then vehicles mentioned above. the statistics indicate that people who drive a Ford Taurus are less likely to speed or participate in reckless driving.

The statistics indicate that people who drive a Ford Taurus are less likely to speed or participate in reckless driving.

This plays a factor in insurance rates because insurers charge low-risk drivers less.

This makes buying this type of vehicle for teenagers a smart car insurance option for parents. Not only will this help keep the insurance rating down, but it will also give them a vehicle that they have a better chance to drive responsibly and have better safety features.

It is important that parents always check the safety rates and insurance price of a vehicle before purchasing it for their teen.

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What features make cars less expensive to insure?

The least expensive cars to insure today are vehicles that are affordable and place a high value on safety features and options. Car insurance companies like these types of vehicles because an individual is less likely to suffer severe injuries or death in a vehicle that features strong safety ratings.

It is always important that individuals examine the cost of insurance, along with monthly payments of the car and the cost to maintain the vehicle itself.

Many individuals forget the about these additional costs when purchasing new vehicles and before they know it they are in a position where they are no longer able to afford the vehicle.

This is why before purchasing a new vehicle an individual should speak with their insurance agent and get an estimated quote on the price to insure their vehicle. A mock quote gives an estimate of what it will cost to insure the vehicle and is not always a guarantee in price.

There are many factors that go into rating each make and model when it comes to insurance. If you can obtain the VIN for the vehicle in question, this will give a more exact quote for insurance companies.

Are there ways to get my car insurance rates lower no matter what type of vehicle I drive?

adobestock_97893996-1600x1600Yes, there are many ways to lower your car insurance rates. The best way to do so is to speak to your personal insurance agent or the main customer service center at your insurance company and ask if there are some ways that you get discounts.

Many of the discounts that are available are not necessarily restricted to certain types of vehicles, so no matter what type of car you drive, you can still get discounts.

According to various studies by both the Highway Date Loss Institute and the National Highway Traffic Safety Administration, the least expensive cars to buy car insurance for are simply the cars that no one wants to drive. And the most expensive cars to insure are the vehicles that people do not need to drive but want to drive.

What types of discounts are available to me?

One of the most popular and easiest discounts to obtain is a multi-policy or multiple lines discount. This is available to eligible drivers and policyholders that hold two or more insurance policies with the same company.

Discounts for multiple policies can include auto insurance, homeowners insurance, renters insurance, and even jewelry insurance. In most cases, this discount can be as much as 10 percent.

Another discount that is popular is the safe driver discount. This is an automatic reduction that is available if you have three or more years with no accidents and no moving violations on your record.

With the safe driver discount, you can qualify for another 10 percent insurance rate deduction.

The good student discount is available to drivers who have a teenager or young adult on their policy. If the young driver is in either high school or college and maintains a “B,” 3.0, or 85-grade point average, the policy can receive an additional discount of at least five percent.

The student should also have a clean driving record with no accidents or tickets.

Does the type of driver I am affects my car insurance rates?

Low rates blocks in front of laptop

The type of driver you are plays a major role in your insurance rates, as safer drivers will pay less for the same type of vehicle than someone who has been in several accidents or received a speeding ticket.

Insurance companies also look at the loss history of a certain model.

This means that a more expensive car will most likely cost more to insure than an inexpensive car, simply because if there is a total loss accident, a less expensive car is cheaper for the insurance company to replace.

Young and inexperienced drivers will also pay more for car insurance because they present a greater risk to car insurance companies. People that have been driving for a long period and that have a clean record will always pay less for car insurance since they are not as big of a risk.

Also, young drivers have the tendency to take more risks while driving and can be considered reckless. On the other hand, a married mother of three will pay less because it is assumed that she will take fewer risks while driving because of her personal situation.

However, even young male drivers often considered the most expensive to insure, can take some steps to lower their car insurance rates. The type of vehicles, safety features, a good driving history, and the willingness to take a defensive driver course can help keep car insurance rates down.

Try using our FREE comparison tool to get an instant quote just by entering your ZIP code below to start now!

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