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How does it feel like to drive a Dodge Viper SRT-10 or Porsche 911 Carrera GT2? The chances are that many of us will not even make it inside such cars, forget about driving them. The bright side, however, is that we won’t have to pay a fortune that goes into auto insurance when you buy these cars. Basically, car insurance rates depend on various factors, most prominent ones being car value and it’s chances of getting involved in an accident. On the basis of these insurance rates you can categorize cars into two broad segments – most expensive and least expensive cars to insure. In the following writeup we will tell which are the top 10 cars which are most expensive in terms of insurance.The auto insurance companies opt for a thorough statistical analysis of different car models before coming up with insurance rates for them. While a large part of the statistical analysis is related to claims history of the said model, other general factors such as person’s driving history and the state in which the person resides are also taken into consideration. Driving safety statistics suggest that full-sized family-sedan-type cars are the safest among various types of cars. Similarly, small-2 door sports cars are most dangerous in the lot, with the tremendous speeds they facilitate. For insurance companies, the rule of the thumb is – lesser the money they have to pay in form of claims, lesser will be the insurance cost of the vehicle.A closer look, and you will realize that most of the cars featuring in this list of expensive cars to insure are 2 door coupes (notorious for their speed) and 4 door sedans (notorious for their value). The least expensive cars to insure, on the other hand, include quite a few minivans and stations wagons.

These are the cars which are most often targeted for families, unlike 2 doors coupes and 4 door sedans which are considered more of status symbols. Some examples of least expensive cars to insure include models such as Mazda Tribute I, Honda Odyssey LX, Chrysler Town & Country LX, Hyundai Tucson GLS, etc. The average premium for these cars seldom exceeds the $ 1200 mark in the United States.
That was brief information about some of the most expensive cars to insure, along with passing reference to some of least expensive cars to insure and various factors that are taken into consideration when determining the insurance rates for these cars. The next time you think about car buying, you can keep these things in mind and opt for a model which won’t give you any insurance hiccups. At the end of the day, as Kim Hazelbaker – the Senior VP for the Highway Loss Data Institute (HLDI) puts it “The least expensive vehicles are ones you have to drive and no one wants to. The most expensive list includes cars that people don’t have to drive but want to.” Practically, a car more than 25 years old is not economical for regular transportation. Also, antique car repairing costs may be too expensive. Many hobbyists own and maintain an antique car for their personal interest, or for the sake of investment. However, purchasing an antique car, is akin to investing on a white elephant; where even though you may not use it, you will have to spend on its maintenance. In such a case, buying an antique car insurance may be a convenient way to meet its repair and maintenance costs.Paying premiums for auto insurance are a burden for many young drivers. Even older aged drivers are not immune from paying high amounts of premium for car insurance right after they have got their driver’s license, as it takes a fair amount of time to get to build up a no claims bonus. To purchase one of the many cheapest cars to insure can therefore considerably ease the financial burden on somebody who has just received their driver’s license. Buying one of the cheap cars to insure for new drivers should not be viewed as a low prestige choice. Instead you must look at the long term picture and be sensible about the whole situation. It is a known fact that the make and model of car that you drive, helps in determining the amount of insurance premium that will have to be dished out by you. Based on this parameter and a number of other factors, your insurance premium is placed in a certain group ranging from 1 to 20. The higher the group that you are placed in, the lesser will be the amount of insurance premium to be paid by you. Due to this reason it is crucial to purchase one of the cheapest cars to insure to start out with. Read more about cheap auto insurance.

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