Top 10 Cheapest Cars to Insure


Purchasing a new car often includes important decisions like what color to buy, the interest rate, how much horsepower and which options to include.  However, factoring in insurance costs can be a smart consumer decision.  Insurance is a monthly expense for automobile owners and getting cheap car insurance can help alleviate some of the financial considerations.  The top ten cheapest cars to insure are here and are among some of the safest cars available.


If you aren’t in the market for a sedan and need to cart around the family in a minivan, the Chrysler Town & Country is a top pick for insurance companies.  This roomy option will not only take seven people comfortable from the store to a road trip, it is also the top cheapest car to insure today.  Need a workhorse truck?  The GMC Sierra Pick-up and the Ford F-Series Pick-up also make the grade with insurance companies.  The list is rounded out with the Ford Econoline Club Wagon and the Toyota RAV 4 SUV.

Most Expensive Cars to Insure

If you can’t resist a luxury car that exudes power and status though, there are several cars that will bring the highest insurance policy premiums available.  Some of these include the Lexus IS 300, the Land Rover Discover Series II, the BMW X5 and the Mercedes SLK Class.  Surprisingly the Toyota 4-Runner and the Mitsubishi Montero also are included on this list.  Be sure to be prepared to pay a higher insurance payment every month in addition to higher car payments if one of these cars is on your list of future vehicles.One of the Best Cheap Cars to Insure
2While not a top ten cheapest car to insure, it is important to remember that a used car will have a lower insurance cost than a new one of the same model.  If the cost of the insurance premium is a factor in your decision, consider purchasing a used car.  An additional benefit of used cars is they have already depreciated and they cost less than a new vehicle.  They also frequently have extended warranties to give piece of mind if something goes wrong.

Insurance companies factor in vehicle cost and the types of vehicles that are least likely to be involved in an accident when determining automobile insurance premiums.  Insurance premiums can be costly.  By considering the cost of the insurance, vehicle owners could save thousands over the life of the car.  There are many different types of cars available for different drivers that give the cheapest car insurance rates.


What To Consider When Looking To Buy Car Insurance


There are thousands of deaths related to auto accidents. It costs billions of dollars yearly to replace or repair cars, for maintaining roads, and to cover medical expenses and emergency services. This is why auto coverage is demanded by state and federal law. It is also why it is important to carry adequate coverage.
When reviewing coverage and rates, it is important to compare identical coverage. It is not and accurate comparison to compare differing amounts of differing options. Make sure if you are checking costs for liability only for one company, to compare the same thing in others.

What-Does-Car-Insurance-Cover-Story2Some states require different minimums, and different options. Be sure when comparing rates to compare on what your state requires, or what you plan to purchase. Be sure when comparing rates between companies that all are licensed to sell in your state.
Other things are also important to consider when getting a quote. One consideration is the flexibility of options that are available at an affordable rate. If a liability premium is low, but options you want are not, you may end up paying more overall for the policy with the lower liability premium. Discounts can save a good amount. There are quite a few different discounts. There are different types offered at different companies. Check to see which you qualify for at each, and what discounts each company allows. This can also make the difference in which one is the best price for you overall.
motor-insurance-claimsA really big consideration when locating coverage is the way claims are handled and the speed with which they are handled. Lower rates mean little if you can’t get what you are paying for and in a timely manner. This is hard to know until you need to file a claim. But, you can rely on customer endorsements or friends who have used the same company and have had to file a claim.

Checking car insurance reviews can help get the best value for the amount of funds available. At the very least, the state minimum should be compared. Money is not the only consideration. Rates for basic coverage as well as additional options should be considered, but also consider any discounts that are available. A discount offered by a company with a higher premium rate may well lower that rate to less than one that does not offer the discount.


Budget Car Insurance


When you’re broke, you’re broke, and that often means having to make a lot of sacrifices, but budget car insurance is still possible. One thing that should survive any cutting process for a budget is your car insurance. Car insurance is a must-have. If you know what to look for, you don’t have to give it up.Budget car insurance is possible.  No matter what your situation is, you should have car insurance that can protect you, protect your vehicle, and protect some of the most critical aspects of your life.  Budget car insurance is not science fiction.  You can find a plan that will fit your budget, and keep you safeguarded from any potential disasters, click here.

Budget Car Insurance Is Important


When you’re broke, you’re broke, and that often means having to make a lot of sacrifices.  This is the point in which you’re going to have to make a budget.  It’s commonsense that you’re going to have to make some cuts to make your budget work.  One thing that should survive any cutting process for a budget is your car insurance.

Some people believe that they can get by just fine without car insurance.  While it is true that you can go your entire life without a car accident, theft, or other destructive occurrence, in the end, you simply don’t know what’s going to happen.  That isn’t meant to be frightening.  It’s simply a fact of life.  The world is unpredictable.  As such, it’s just smart life planning to have yourself and your vehicle protected on all fronts.  It’s critical to understand that you need car insurance in your life.  Budget car insurance may strike you as a sketchy concept, but the truth of the matter is that you can find car insurance to fit your budget.  If you’re someone known for being a smart shopper, you may even be able to surprise yourself, with the level of coverage you can find on your particular financial resources.

Finding Budget Car Insurance

You also need to keep in mind that having car insurance is more than just an essential.  It’s also the law, which makes budget car insurance even more valuable.  With all the many reasons as to why you need auto insurance, your next step is to find car insurance that isn’t going to sink you into the red.  This isn’t impossible.

One of the first things you can do is take a look at your current credit report.  If your credit is in strong shape, then it might be time to shop around for a new, cheaper insurance carrier.  However, if your credit is poor, it’s generally a better idea to stick with the carrier you currently have.

If you are in the position of being able to shop around for a new carrier, then you will want to research other companies very carefully.  Online research is always a good idea, but you can also ask friends and family members of their experiences with differing carriers.  You’ll want to pay particular attention to anyone who has had to file a claim at some point.  Ask them what their experiences entailed.


You can also check to see if your state keeps a record of complaints that have been leveled against insurance carriers.  Companies with a high volume of complaints are obviously companies you’re going to want to avoid.

Discounts are everywhere.  All you have to do is learn how to take advantage of them.  There are discounts available for loyalty, flawless driving records, or for currently using specialized driving equipment.  Older drivers get a discount for finishing a safety driving courses.  Teens with good grades and completed driving courses can also qualify you for some discounts.

Unless you have money put aside in the event of an accident, you may want to think twice about raising your deductible.  You can also consider dropping certain aspects of your coverage, if your car is more than five years old.

Car insurance is a must-have.  If you know what to look for, you don’t have to give it up.