Choosing The Cheapest Cars To Insure

Have you ever noticed how some people seem to pay next to nothing for their car insurance while others sacrifice an arm, a leg and 30% of their paycheck just to go to work? There are many, many factors that go into determining the cost of your car insurance, but choosing from the list of cheapest cars to insure will go a long way toward making sure your premiums stay reasonable.

Where do you go do find the cheapest cars to insure? The same place your insurance provider does-The Highway Loss Data Institute. While every car's history is determined by the person that was driving, there are some cars that just attract trouble. For example, did you know that the Toyota Corolla and the Honda Civic are on the list of cars statistically most likely to be ripped off?

The losses reported due to theft, medical payments, comprehensive and collision insurance and liability to insurance providers from coast to coast are reported to the HLDI, who compiles all the data and issues an annual report showing which cars are the most dangerous to have out on the highways (statistically speaking) and which ones are going to cost less. The cheapest cars to insure the ones who cost insurance providers the least amount of money in claims each year.

What are the cheapest cars to insure? Here's what the statistics have to say about today's 2005-2007 car models.

Four Door Mini Models

1)Hyundai Accent
2)Kia Rio

Four Door Small Models

1)Toyota Prius
2)Honda Civic
3)Honda Civic Hybrid
4)Saturn ION
5)Neon Versa
6)Toyota Corolla
7)Nissan Versa Hatchback

Four Door Midsize Models

1)Saturn Aura
2)Hyundai Sonata
3)Volkswagon Passat
4)Subaru Legacy 4WD
5)Honda Accord
6)Honda Accord Hybrid
7)Mercury Milan

Two Door Mini Models

1)Mini Cooper Convertible
2)Toyota Yaris

Two Door Small Models

1)Volkswagen New Beetle Convertible
2)Volkswagen New Beetle
3)Chrysler PT Cruiser
4)Saturn ION Quad Coupe
5)Ford Focus

Two Door Midsize Models

1)Toyota Camry Solara Convertible
2)Toyota Camry Solara
3)Pontiac G6
4)Chevrolet Monte Carlo

Where does your car rate? More importantly, where does your dream car rate? No one's going to walk into a car lot with visions of cheap car insurance dancing in their head and walk past the car they've been dreaming of for years. The list of cheapest cars to insure isn't a one size fits all model, so it's important to understand what makes every make and model cheaper-even if you're hopping behind the wheel of a Lamborghini (statistically one of the most expensive cars on the market to insure).

The key to success is minimizing the amount of money your insurance provider is likely to have to pay out in the long run. Safety features like air bags and anti-lock brakes and security features like car alarms, fuel switches and GPS locators are going to go a long way toward making your car safer to drive-and therefore safer (and cheaper!) to insure!

Car insurance might not be the first thing on your mind when you're car shopping, but it shouldn't be the last either. Don't forget to do your homework before signing on the dotted line.