| Insurance is based on a numbers game of statistics | | | | saving. |
| and data that the policy underwriters consider when | | | | Insurance companies tend to regard 2 door vehicles |
| assigning rate classifications. Cars that tend to get in | | | | as increased risk as well as new vehicles which are |
| more accidents, or require more expensive or more | | | | more expensive to repair than older vehicles. Looking |
| thorough repair than other cars will have a higher claim | | | | for a four door car will almost certainly save you |
| rate and thereby a higher premium to insure these | | | | money on insurance premiums regardless of what you |
| higher risk vehicles. Using this information backwards | | | | buy. Try to choose a vehicle that might be associated |
| you can find the lowest end of the scale. There are | | | | with good drivers or perhaps a car that has an |
| some vehicles that are so cheap to insure they are | | | | especially low accident repair occurrence. |
| practically free. | | | | A good example of this would be larger trucks. One |
| Some obvious deductive logic can help you to identify | | | | might think that a larger truck has a big engine so it will |
| the high risk car category relatively easily. Sports cars, | | | | be expensive to insure. This can be true for some |
| big engines, expensive repairs like luxury cars or some | | | | trucks, especially sport trucks, but another factor is at |
| imports are all likely to have high insurance rates. | | | | work in the equation. |
| A 2002 Honda Civic or Mazda is going to have a | | | | Since a large truck colliding with a Honda Civic might |
| higher rating than a 2002 Hyundai Accent. In addition to | | | | not even require a paint job, but the smaller car will be |
| the Accent being more modest and slower than the | | | | massively damaged even from a minor collision, some |
| other cars, the occurrence of accidents with Accents | | | | trucks and vans can be incredibly cheap on insurance. |
| is likely substantially lower than the occurrence of | | | | It is important to note that the larger vehicles require |
| crashes with a Honda. This is specifically due to the | | | | substantially more fuel than an economy car so this |
| subculture movement of sport economy cars making it | | | | must also be considered. |
| fashionable to take certain cars and modify them | | | | Doing online quotes for insurance will make it easy to |
| heavily and in many cases drive them recklessly. The | | | | find which vehicles are the lowest cost. Then it is |
| difference in these insurance rates can amount to | | | | simply a matter of locating, inspecting and purchasing |
| easily more than $100 per month that you could be | | | | that make, model and year of car. |