What Vehicles to Buy to Get Cheap Car Insurance Rates

If you want to lock in cheap car insurance rates, it’s a good idea to know which vehicles will bump up your premiums the next time you go shopping for a car. The type of car you drive will have a big influence on the price you pay for your auto insurance. Here are some tips about which cars to avoid.

Sports Cars and Cheap Car Insurance Rates Don’t Go Together

People who drive sports cars tend to be more aggressive on the roads. They break the speed limits, are more cavalier about driving laws, and are prone to street racing and other risky maneuvers, at least when viewed in aggregate. Because of this, insurance companies tack a hefty price tag onto the insurance premiums of sports car drivers. To get cheap car insurance, stay away from racy cars.

Too Much Horsepower Leads to Paying Too Much for Car Insurance

Even if you are driving a regular sedan, if it has a very high amount of horsepower you could fall into the same category as sports car drivers. To ensure that you’ll get cheap car insurance rates, ensure that you don’t have too much going on under the hood.

Luxury Cars Lead to Luxury Insurance Rates

A luxury car might feel like a dream to drive, but the first time you need to make repairs you’ll see why they don’t mix with cheap car insurance rates. If the insurance company has to pay more than average to repair your luxury car after an accident, they’ll also make you pay more than average on your yearly premiums.

Attractive to Thieves, Unattractive to Insurers

Some models of cars are particularly attractive to auto thieves. They may have a really good resale value on the black marker, or perhaps they have a security flaw that makes them easy to break into. In any case, insurers are loathe to offer cheap car insurance rates on vehicles that are more likely to be stolen. Before buying a car, check whether it is on the National Crime Insurance Bureau (NCIB) list of frequently stolen vehicles.

The Worse the Safety, the Worse the Rates

Small cars and cars that are not equipped with the latest safety features are more likely to have expensive accidents, since the passengers are more likely to be injured. To get cheap car insurance rates, purchase vehicles with anti-lock breaks, driver and passenger air bags, running lights, and other protective features. This is a good idea for your health as well as for your pocketbook!

By keeping these factors in mind when you go to buy a car, you can really help to get cheap car insurance rates and save yourself tons of money over the years.