Part of owning a car is to keep it insured, and auto insurance premiums vary considerably depending on the car. If you are buying a car and looking for cheap car insurance, consider buying one of the cheapest vehicles to insure. For 2013, vehicles, SUVs and crossovers are ranked as the cheapest vehicles to insure. In the recent past, minivans always ranked as the cheapest insurance for a vehicle. However, insure.com has placed SUVs and crossovers as the cheapest for 2013.
Top 5 Least Expensive Vehicles to Insure
2013 Ford Edge SE
The new Ford Edge SE, 4 cylinder, ranks number one as the most affordable car insurance. The Edge comes equipped with seat mounted airbags on the driver and passenger side. In addition, it has the curtain airbags for passengers in the back. The average annual premium is $1,128.
2013 Jeep Grand Cherokee Laredo
The new Cherokee by Jeep ranks second as the most affordable auto insurance. It comes standard in 6 cylinders. The Laredo is equipped with many safety features including side curtain airbags, passenger and driver seat mounted airbags. The average cost to insure is $1,148 per year.
2013 Subaru Outback 2.5i Premium
The Subaru Outback 2.5i comes in at the number three position of cover affordability. It offers the position and the front seat airbags. In the event of collision, other safety features include the seat belts, which are designed to prevent injury. It comes standard with stability control, which helps drivers never lose control of the vehicle. Annual average cost to insure is $1,150.
2013 Kia Sportage
The Kia Sportage has been a popular vehicle through the years and now it is ranked 4th in affordable insurance for 2013. It is a 4 cylinder, airbags in front, back, overhead, and side curtains. The average premiums are $1,157 annually.
2013 Jeep Patriot Sport
The Jeep Patriot Sport is the 5th least expensive insurance for a vehicle. It comes with 4 cylinders and has the same safety features as the Jeep Grand Cherokee Laredo, which is ranked the 2nd most affordable auto insurance. Annual premiums average at $1,160.
Why are SUVs and Crossover Cheaper to Insure?
From the list of the best 5 most affordable insurance rates, you can see it is made up of SUVs and crossovers. It might seem like a larger vehicle would equate to larger premiums, but just the opposite is true.
The fact is an SUV costs less to insure than a small car. But why? Statistically, the average age of an SUV owner is 45 years. Many owners have families, and when you combine the age along with a family, it means safer drivers overall. Another reason for cheap car insurance with an SUV is it has many safety features.
Finding affordable car insurance is a combination of your driving record and the vehicle you purchase. Insurance companies spend a lot of time and money obtaining statistics on drivers less likely to have an accident. Obviously, it is convenient for insurance companies to protect people who do not make many claims.
Author Bio-
Written by Steve Whiley, a writer for American Auto
Insurance.
No comments:
Post a Comment