| When consumers shop for a car, they don't usually | | | | - Saturn ION 1 4dr Sedan |
| consider if the type of car they buy will affect their | | | | - Pontiac Sunfire 2dr Coupe |
| insurance rates. The type of car you buy actually | | | | Vehicles that are among the least expensive for |
| plays a part in whether you pay a high or low premium. | | | | collision claims include: |
| If you are looking to acquire a reasonably priced | | | | - GMC Safari 4-wheel drive |
| insurance policy with your new car, it is important to | | | | - GMC Yukon XL 1500 4-wheel drive |
| know what cars have the best rates. | | | | - Ford Excursion 2-wheel drive |
| The nonprofit public service organization, The Highway | | | | - GMC 2500 |
| Loss Data Institute, (HLDI) is a group that assesses | | | | Vehicle Models with some of the least expensive |
| vehicles for the insurance industry to find out which | | | | injury claims include: |
| cars are a high risk. By high risk, they mean cars that | | | | - GMC Sierra 2500 2-wheel and 4 wheel drives |
| are most likely to be stolen, involved in an accident as | | | | - Chevrolet Silverado |
| the result of a collision, and have a high number of | | | | - GMC Yukon XL 1500 4-wheel |
| injury claims filed. When assessing the risk of theft, the | | | | - Chevy Tahoe 2-wheel |
| organization will look at such as aspects as the | | | | A few of the ' Top 2009 Safety Pick Cars' as |
| number of doors a car has as well as the color of the | | | | published by the Insurance Institute for Highway Safety |
| car. | | | | include: |
| The HLDI has found that "four door cars have a 93% | | | | - Large Cars: Acura RL, Audi A6, Cadillac CTS, Ford |
| less chance of having a claim related to theft than | | | | Taurus, Hyundai Genesis |
| 2-door cars of the same make and model." As well, a | | | | - 4-door models built after 11/08, Lincoln MKS, Mercury |
| report by the National Insurance Crime Bureau (NICB) | | | | Sable, Toyota Avalon, Volvo S80 |
| found that "cars that have the least claims filed for | | | | - Midsize Cars: Acura TL, Acura TSX, Audi A3, Audi |
| theft include the Buick LeSabre, Volvo V70 Station | | | | A4, BMW 3 series 4-door models, Ford Fusion 2009-10 |
| Wagon, and the Mercury Grand Marquis." | | | | models with ESC (optional in 2009, standard in 2010) |
| According to HLDI, the lowest injury claims filed are | | | | - Honda Accord 4-door models, Lincoln MKZ 2010 |
| large vehicles such as large cars, pickup trucks, and | | | | models, Subaru Legacy, Volkswagen CC |
| sport utility vehicles (SUVs). Many car retailers report | | | | - Small Cars: Honda Civic 4-door models (except Si) |
| that the following cars are the least expensive to | | | | with optional ESC, Mitsubishi Lancer with optional ESC, |
| insure: | | | | Scion xB, - Subaru Impreza, Toyota Corolla with |
| - Chrysler PT Cruiser 4dr Wagon | | | | optional ESC, Volkswagen Rabbit 4-door models, |
| - Jeep Liberty Sport 4WD 4dr SUV | | | | Volkswagen Jetta, Volkswagen Passat |
| - Saturn L300 1 4dr Sedan | | | | When determining insurance premiums, insurance |
| - Volvo S40 4dr Sedan | | | | companies will look at a car's make, model, safety |
| - Saab 38600 Linear 2.3t 4dr SportWagon | | | | record, and rate of theft. Knowing these statistics will |
| - Buick Century Special Edition 4dr Sedan | | | | help you choose the best car with the best insurance |
| - GMC Safari SLE AWD 3dr Minivan | | | | rate. |
| - Dodge Caravan SE 4dr Minivan | | | | |