Which Car Should You Own To Keep Your Insurance Rates Most Affordable?

Do you see the cost of insurance before you purchase your dreaming car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they associate to cars. They look at the colour of the cars, how many doors they have, and even interrupt them down type.

The Highway Loss Data Institute is a non-profit-making populace service organization. It is closely associated with and funded through the Insurance Institute for Highway Safety, which is wholly supported by auto insurers. HLDI gathers, processes, and prints information on the ways losings change among different sorts of vehicles. http://www.iihs.org/vehicle_ratings/ictl/ictl.htm

4- Door cars have got a 93% less opportunity of having a claim related to theft than their sibling 2-Door cars. Buy a Buick LeSabre and have got relatively no opportunity of a theft loss. Compare that to the exchangeable Chevrolet Corvette that have over 5 modern times the average theft rate. You may have got known that. However, did you cognize that the Toyota Celica have a 67% higher opportunity of theft than the Toyota Camry?

In addition, even though the 2002 Lexus IS 300 gets a "best pick" evaluation from the Insurance Institute for Highway Safety for its public presentation on clang tests, former years' theoretical accounts of the same car are some of the most costly in terms of hit claims. "One of the factors that come up into drama there is the cost of repairing an expensive vehicle," states Russ Rader, with the Insurance Institute for Highway Safety.

What about safety? You may be surprised at some of the results. For example, the Porsche 911 have a 67% less opportunity for injury claims than the norm. Go figure. The Mitsubishi Lancer have almost dual the injury claim rate over the norm.

Where makes you car tantrum for injury theft and collision? What about your dreaming car? Take a expression at this tally down based on 2000-2002 HLDI data:

Models that are among the most expensive for theft claims include:

Cadillac Escalade four-wheel drive

Chevrolet Corvette Convertible

Lincoln Sailing Master four-wheel drive

Jeep Cherokee four-door

BMW 3 series Convertible

Models that are among the least expensive for theft claims include:

Buick LeSabre

Buick Park Avenue

Volvo V70 Station Wagon

Mercury Thousand Don Marquis four-door

Models that are among the most expensive for injury claims include:

Suzuki Esteem four-door

Kia Rio De Janeiro four-door

Mitsubishi Mirage two-door

Kia Sepectra four-door

Models that are among the least expensive for injury claims include:

GMC Sierra 2500 two-wheel drive

Chevrolet Silverado 2500

GMC Yukon River River forty 1500 four-wheel drive

GMC Sierra 2500 four-wheel drive

Chevrolet Tahoe two-wheel drive

Models that are among the most expensive for hit claims include:

Subaru Impreza WRX four-wheel drive four-door

Lexus IS 300 4 door

Hyundai Tiburon two-door

Porsche 911 Coupe

Acura RSX

Models that are among the least expensive for hit claims include:

Ford Excursion two-wheel drive

GMC Campaign four-wheel drive

GMC Sierra 2500

GMC Yukon forty 1500 four-wheel drive

Source: The Highway Loss Data Institute

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