Cars, cars, and more cars, they’re our way of getting out and about from one place to the other. Unfortunately, you are dependent on the car you drive and a few other factors may determine just what the amount of your insurance premium is.
A premium is a fee you pay your car insurance agency each month so you stay protected in the event of an accident. In most states, you’ll be required to keep insurance in order to be considered street legal in terms of driving and being caught without can cause heavy penalties. When purchasing a car for the first time or even replacing an old one, you’ll have to consider these factors to make sure you’re getting the best rate you possibly can.
- Age (the younger, the higher most premiums are)
- Type of car (most sports cars, or cars of particular color have higher rates)
- Accidents (if you’ve ever been in an accident this can affect your insurance as well.)
- Area (depending on where you live, you can expect to pay a higher or lower rate.)
With that being said, you’re probably just what types of cars have the lowest insurance premiums in comparison to others. We’ve looked around throughout states and found these top four which have the highest, so if you’re looking for something cheaper we suggest you look elsewhere.
High insurance premiums in 2016
- Honda Odyssey
- Dodge Grand Caravan
- Toyota Tacoma
- Honda CR-V
Now that moment that you’ve all been waiting for, the vehicles that can be insured with the lowest insurance premiums:
- Chevy Impala
- Mazda B2300
- Lincoln Town Car
- Suzuki Forenza
- Honda Accord
- Jeep Wrangler
- VW Passat
- Mazda Mazda5
- Scion xb
- Chrysler Town and Country
- Mazda Tribute
- Saturn VUE
- Smart FORTWO
- Kia Rio5
- Kia Sedona
- Hyundai Entourage
- Kia Sportage
- Hyundai Santa Fe
With a few of these cars you’ll notice a trend in that some of them belong to different series of the same type of vehicle. This is a great thing to keep in mind if you’re out looking for another vehicle or to replace one. Many of these cars are fairly nice in appearance and can be had without over budgeting the limit you might’ve set in place for what you want to spend.
The great thing is, with such a wide variety of different vehicle types you’ll find something that fits your budget, cheap to insure, and even maybe fits in to another category that you were looking for in your next purchase. Many of these also happen to be pretty fuel efficient which is another great reason to try and select on with a lower premium. You’ll notice that while some of vehicles listed could be classified as sporty or high class, they’re usually one of the not as popular vehicles in the series. You can always get a free price quote online for most vehicles if you’re unsure about a specific vehicle you might be looking to purchase in the future.