What cars have the lowest and highest insurance rates?

Help with your insurance rate question

I am not sure if this will help you. But through what I have learned there are several different things that might contribute to different rates. Here is a list of different points that will either help contribute to a higher rate or lower it. The year of the car. Though older cars are generally made with less plastic parts they tend to break down more. Many insurance companies will view the car as having "less value" meaning for them less money they would have to pay out to replace it etc. for whatever reason. For newer model cars the opposite could hold true as well since most newer models have a higher value rate and tend to be more costly to replace in addition to more complex and technological parts. The color of the car can also play a factor in the insurance rates. Brightly colored cars example: candy red, yellow etc. are usually associated with faster cars (corvettes, fire birds whatever) or the tendancy for the operator to drive faster etc. because of those stereotypes. Generally, vehicles that have a higher safety rating can have lower IR's (insurances rates). SUV's, trucks, foreign cars (usually but not always) are usually higher because of the items listed above among other factors like the drivers age, gender, driving record, state they live in (some companies may base their rates based on the statistics in their area ex: the number of accidents reported, the land geographics like mountains, hills verses the plains etc. general population ages for that area) or the operators intended usage of the car. The list could go on and on. When you are looking for a car, these things are all something that you may want to consider. For example: I bought a used 1985 Chevy Cavalier in Florida. For full coverage it cost me about $75.00 per month. When I leased a 1999 Saturn a few years later, full coverage cost about $180.00. My 1999 Explorer for full covergae in Kentucky costs about the same. Since you are looking for a good rate I recommend the following companies... State Farm, Able insurance, All state. I am sure there are a few more but those are what I have used before and are pretty reasonable. I have found progressive is generally higher no matter what you decide to drive. First just decide what type of car you want (SUV, compact, regular size, truck). Second, ask some different people what they pay for insurance for their car etc. Third, get quotes. Though computer searches are easist, actually calling local companies and getting quotes for your area and what cars you have in mind would probably give you a more specific idea. Contact your local DMV they may have some information on what you need, give your statistics etc. or give info on who to contact to get that information. As far as safety ratings or general car problems and complaints, Car complaints.com has a forum created by individuals who have had different problems with cars, that might give a better idea of what cars could be more problematic for you. I have several problems with my Explorer and old chevy, but generally none with my Saturn. Any how I hope that this helps in answering part of your question.

Sincerely, Cheryl

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