Minivan Insurance

American culture attributes the car we drive to our persona - defining our values, our sense of style, and to some extent, our eccentricities. That's why Corvette owners wave to each other, and why everyone feels the need to take a look to see who is driving the Hummer. Similarly, the car we drive also determines how much we pay for car insurance. Easy afterwards monthly payment car loan, many homeowners are "auto-off" because of their insurance costs and do not even know.

Are you driving a car more expensive to insure?

Factors affecting car insurance rates

There are a handful of factors that determine how much a person pays for insurance, including gender, age, driving record, credit ratings place of residence, annual mileage driving (in most states) and, above all, the car we drive. Although common sense that the most expensive car, the more expensive the insurance is not always the case. Insurance rates differ greatly between makes and models. If a car performs well in crash tests, it is not frequently stolen, and the additional safety or antitheft devices, it will generally be less expensive to insure. On the other hand, if your car is flashier, attractive to thieves, and not wow anyone in the crash tests, it will cost less to insure.

The 10 most expensive to insure
1 Aston Martin DB9
2 Bentley Continental
3 Dodge Viper
4 Porsche 911
5 Chevrolet Corvette
6 Porsche Cayman
7 BMW X5
8 Cadillac Escalade
9 Land Rover Range Rover
10 BMW 128i

At least 10 expensive to insure
1 Mercury Grand Marquis
Buick Lacrosse 2
3 Toyota Avalon
Kia Sportage 4
5 Chevrolet Equinox
6 Ford Escape
7 Kia Optima
8 Subaru Tribeca
9 Buick Lucerne
10 Ford Ranger

To create each list, we have carefully analyzed the data rate for each driver with a 2009 model vehicle that visited InsWeb.com for a quote car insurance this year. After sorting tens of thousands of citations, we came up with an average for each brand and model and the results sorted by price. Each brand and model must have had at least 50 requests for quote to qualify.

What's faster than you take?

If you drive a high performance vehicle with more power than the army of General Washington, insurance companies have no choice but to assume that you will use and practice riskier driving. If you enter in an accident regardless of fault, the cost of returning your vehicle to its original condition can be extraordinary - even for a seemingly innocuous clash.

Bigger is safer, but causes more damage

Although trucks and SUVs, large, and other road warriors could be security than the compact cars in accidents, they tend to favor a rate of liability coverage more expensive given that they impose more damage than most standard cars in accidents. On another note, there are still a lot of SUVs that have inherent security flaws in their design, especially with the rollover tests. Consequently, insurance companies share the financial risk on the additional driver in the form of higher premiums.

Auto Insurance Companies Love Family cars

Cars that are particularly associated as "family vehicles" tend to have lower insurance premiums. These types of vehicles including minivans, family sedans and station wagons. The cars are used primarily for transport a family are generally involved in fewer accidents, because of safety driving patterns related to those members of the family transport.