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This
is an Insurance article by an independent author and jml
Insurance takes no responsibility for its accuracy or content
Which
Car Should You Own To Keep Your Insurance Rates Most Affordable?
By
Jon
Register
Do
you consider the cost of insurance before you buy your dream
car? You should. The Highway Loss Data Institute analyzes
the cost to insurance companies from theft, collision, and
injury claims as they relate to cars. They look at the color
of the cars, how many doors they have, and even break them
down type.
The
Highway Loss Data Institute is a nonprofit public service
organization. It is closely associated with and funded through
the Insurance Institute for Highway Safety, which is wholly
supported by auto insurers. HLDI gathers, processes, and publishes
data on the ways losses vary among different kinds of vehicles.
http://www.iihs.org/vehicle_ratings/ictl/ictl.htm
4-
Door cars have a 93% less chance of having a claim related
to theft than their sibling 2-Door cars. Buy a Buick LeSabre
and have relatively no chance of a theft loss. Compare that
to the convertible Chevrolet Corvette that has over 5 times
the average theft rate. You may have known that. However,
did you know that the Toyota Celica has a 67% higher chance
of theft than the Toyota Camry?
In
addition, even though the 2002 Lexus IS 300 gets a "best pick"
rating from the Insurance Institute for Highway Safety for
its performance on crash tests, previous years' models of
the same car are some of the most costly in terms of collision
claims. "One of the factors that come into play there is the
cost of repairing an expensive vehicle," says Russ Rader,
with the Insurance Institute for Highway Safety.
What
about safety? You may be surprised at some of the results.
For example, the Porsche 911 has a 67% less chance for injury
claims than the norm. Go figure. The Mitsubishi Lancer has
almost double the injury claim rate over the norm.
Where
does you car fit for injury theft and collision? What about
your dream car? Take a look at this run down based on 2000-2002
HLDI data:
Models
that are among the most expensive for theft claims include:
Cadillac
Escalade four-wheel drive
Chevrolet
Corvette Convertible
Lincoln
Navigator four-wheel drive
Jeep
Cherokee four-door
BMW
3 series Convertible
Models
that are among the least expensive for theft claims include:
Buick
LeSabre
Buick
Park Avenue
Volvo
V70 Station Wagon
Mercury
Grand Marquis four-door
Models
that are among the most expensive for injury claims include:
Suzuki
Esteem four-door
Kia
Rio four-door
Mitsubishi
Mirage two-door
Kia
Sepectra four-door
Models
that are among the least expensive for injury claims include:
GMC
Sierra 2500 two-wheel drive
Chevrolet
Silverado 2500
GMC
Yukon XL 1500 four-wheel drive
GMC
Sierra 2500 four-wheel drive
Chevrolet
Tahoe two-wheel drive
Models
that are among the most expensive for collision claims include:
Subaru
Impreza WRX four-wheel drive four-door
Lexus
IS 300 4 door
Hyundai
Tiburon two-door
Porsche
911 Coupe
Acura
RSX
Models
that are among the least expensive for collision claims include:
Ford
Excursion two-wheel drive
GMC
Safari four-wheel drive
GMC
Sierra 2500
GMC
Yukon XL 1500 four-wheel drive
Source:
The Highway Loss Data Institute
Visit
http://www.carinsurance.com For Affordable Car Insurance
Jon
Register is a representative of CarInsurance.com. You can
visit CarInsurance.com at http://www.carinsurance.com
or contact them at 1-877-327-8728.
CarInsurance.com's
online insurance marketplace gives an opportunity to consumers
and to insurance companies. We offer the ability to shop for
car insurance online.
Consumers
can receive quotes from many insurance companies, in some
states you are able to purchase your insurance instantly,
online. You don't have to drive your car to buy car insurance.
Buy online...anytime!
Article
Source: http://EzineArticles.com/?expert=Jon_Register
The
information supplied on this page is by a third party and
jml Property Services do not take any responsibility to its
accuracy ©jmlpropertyservices 11/06
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