10 Easiest Cars to Get Insured

The first thing an insurance company looks at when offering you a quote is your driving history. Have a spotless one, and you’ll definitely get a better rate than a guy who has a glovebox full of tickets.The insurance companies also considers the sort of car you drive, including its sticker price, the cost to repair the vehicle, replacement value, safety features, and how well it will withstand an accident. The lower the cost of claims for a vehicle, the lower the rates, and therefore the easier it is to get insured.Here is a list of the top ten least expensive vehicles to insure, that have a sticker price of less than $50k, according to the Highway Loss Data Institute (HLDI):1. Oldsmobile Silhouette2. Pontiac Montana3. Saturn L Series Wagon4. Chrysler PT Cruiser5. Saturn L Series Sedan6. Chevrolet Venture7. Chevrolet Astro8. Saturn Vue9. Jeep Wrangler10. Oldsmobile BravadaThe HLDI also lists vehicles that are the least expensive based theft, injury and collision claims. The least expensive theft claim models are:1. Buick LeSabre2. Mercury Grand Marquis3. Buick Century and Saab 9-5 four-door (tie)4. Buick Park Avenue and Pontiac Montana (tie)The least expensive injury claim models are:1. GMC Yukon XL 1500 two-wheel drive2. GMC Yukon two-wheel drive3. Chevrolet Tahoe two-wheel drive4. GMC Yukon XL 1500 four-wheel drive5. GMC Sierra 2500 four-wheel driveThe least expensive collision claim models are:1. GMC Yukon two-wheel drive2. GMC Yukon XL 1500 two-wheel drive3. Chevrolet Tahoe two-wheel drive4. Ford Excursion two-wheel drive5. Ford Escape two-wheel drive 10 hardest cars to get insuredAs a rule of thumb, the larger cars and trucks are usually the easiest and cheapest to insure, as long as they do not do heavy damage to other vehicles in an accident. If you total another person’s vehicle, your rates will definitely increase.The cost to insure a specific make and model will fluctuate as time passes. Especially if it is brand new model to hit the market. Insurance carriers will examine how the vehicle performs in crash tests, as well as the average payout on accident claims. Insurance companies also look at how durable or dependable the vehicle is, based on basic maintenance and repair costs.Source also avalaible on : www.carinsurancerates.com