When we shop for a new vehicle, we want one that displays our personal style, that does the job our lifestyles need, and that will hold a good resale value. We also consider the level of gas it consumes, how often it's been shown to need repairs, how much it costs and the financing that's available. But we rarely consider how much it costs to insure.
A polling of national car dealers indicates that an average of 5 percent of shoppers consider a car's insurance cost before buying it. Once specialty vehicles like Porches and Corvettes are removed from the mix, the percentage of shoppers asking about insurance costs drops even further. But the truth is, car insurance premiums can really add to the annual cost of owning your vehicle.
Of the twenty most popular-selling vehicles in 2010, we have determined the five most expensive to insure and the five least expensive to insure. The outcomes may surprise you:
Most Expensive Insurance Rates Among Top Selling 2010 Vehicles:
1. Dodge Ram Pickup (Top seller 5)
" Average premium of $1,336.
" Reason: Performance history is substantially below average in property damage liability, comprehensive liability and bodily injury liability.
2. Chevy Silverado C/K Pickup (Top seller 2)
" Average premium of $1,280
" Reason: Performance history is substantially below average comprehensive liability.
3. Toyota Prius (Top seller 16)
" Average premium of $1,210
" Reason: Insufficient data available.
4. Honda Accord (Top seller 6)
" Average premium of $1,203
" Reason: Performance history is below average in personal injury protection.
5. Nissan Altima (Top seller 9)
" Average premium of $1,198
" Reason: Performance history is below average in personal injury protection and medical payment.
Least Expensive Insurance Rates Among Top Selling 2010 Vehicles:
1. Chrysler Town & Country (Top seller 19)
" Average premium of $940
" Reason: Performance history is above average in property damage liability, medical payment and bodily injury liability, and substantially above average for collision, comprehensive liability and personal injury protection.
2. Ford Escape (Top seller 17)
" Average premium of $1,022
" Reason: Performance history is above average in property damage liability and bodily injury liability, and substantially above average for collision and comprehensive liability.
3. GMC Sierra Pickup (Top seller 12)
" Average premium of $1,026
" Reason: Performance history is above average in collision, and substantially above average in personal injury protection, medical payment and bodily injury liability.
4. Chevrolet Impala (Top seller 7)
" Average premium of $1,091
" Reason: Performance history is above average in collision.
5. Ford Econoline Club Wagon (Top seller 13)
" Average premium of $1,119
" Reason: Insufficient data available
If you own or are considering one of the above autos, understand that your insurance premium will vary from those shown depending on your personal driving record, credit history and zip code. But that leads us to the big question:
Why the Difference?
Premiums are calculated individually using sophisticated tables combining each car insurance applicant's personal factors with the "loss experience" of the vehicles. That means that the owners of some vehicle types end up with far fewer or far less expensive insurance claims than the owners of others. The theory that certain vehicle types attract certain driver types has been statistically proven again and again over the years. But that also means that the best driver in the world will probably be left paying quite a bit for his insurance if he chooses a model that is well-liked among drivers who regularly total their vehicles.
The bottom line is, it pays to shop for car insurance before you shop for your car. Try it yourself. Let AutoHomeandHealth.info run free comparison quotes for auto insurance on the top 5 vehicles you're considering buying in the near future. The disparity between your results may influence your decision.
With competitive car insurance quotes from AutoHomeandHealth.info, you save money on car insurance. Our simple form is the fastest way to the cheapest car insurance quotes.
The Most and Least Dependable Cars
A vehicle is probably one of the worst investments you'll ever make. In terms of actual dollars returned, ownership is a helpless loss. Nevertheless, a vehicle is a necessity in most of our lives, so we should work to keep our vehicles as healthy as possible.
It may help to know which makes consumers find most and least reliable. According to a 2008 JD Powers survey, here's what vehicle owners say were the most (and least) reliable vehicles:
Ten Most Dependable Cars
1. Lexus
2. Infiniti
3. Buick
4. Porsche
5. Acura
6. Toyota
7. Cadillac
8. Lincoln
9. Honda
10. Mercury
Ten Least Dependable Cars
(starting with the least reliable)
1. Kia
2. Land Rover
3. Daewoo
4. Suzuki
5. Volkswagen
6. Isuzu
7. Hyundai
8. Mitsubishi
9. Volvo
10. Jeep
Please note that this description/explanation/information is intended only as a guideline.
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