The most expensive cars to ensure
This year, more than ten million households in the USA to purchase a new vehicle. But while consumers are a lot of time exploring the car, they want to buy, not just to reflect, how much it will cost to provide them - it could be much more than they realize.
“If you can not insurance, can not afford the car,” says Loretta Worters of the Insurance Information Institute.
Indeed, the brand and model you choose, have a huge impact on how much to pay your insurance premiums, said Tom H. Hollyer, agency Product Development Manager of Mayfield Village, Ohio-based Progressive (NYSE: PGR - News - Human beings). “The prices are not only a driver characteristics such as age and sex, but also with a vehicle,” he says. “The best what to do research, the cost of insurance before buying a vehicle.”
Insurance premiums are based partly on vehicles and price tags, the costs to repair their overall security and the likelihood of theft. Cars are targets for thieves tend to provide more costs. “Vehicles of high quality are generally more expensive to secure,” said Hollyer. “When there is so much damage to the vehicle, it can not be repaired or if it was stolen, the insurance company, it is to replace.” Many insurers offer discounts for work, reducing the risk of injury or theft. These airbags, Anti-lock brakes, daytime running and anti-theft devices.
Prices are also affected, where you live and your age, gender and driving record. The criteria other than the car model year, weight, PS, Body Art, and wheelbase vehicle (car, van, truck, SUV, etc.) “vehicles with more power may lead to that increased contributions, “said Hollyer.” On the other hand, larger, heavy vehicles offer more protection for passengers the lowest in the first part of the cost of medical care. ”
Progressive rates in 2004 Dodge Viper SRT-10, a sports car high performance, with a price of $ 80000, as the vehicle more expensive to insure. In the past, the viper has the highest damage to motor vehicles, collisions or loss of all passenger cars, according to the Highway Loss Data Institute (HLDI). Of course, exotic vehicles such as Rolls-Royce, Ferraris, Lamborghinis and are not on this list, only mass-market vehicles. After gradual, the least costly for the automobile, a 2004 Oldsmobile Silhouette, it is a minivan in the area of $ 30000, followed by Chrysler PT Cruiser and Pontiac Montana.
Cars sport and luxury cars, the highest (and bad) losses for the insurance damage to motor vehicles, according to a recent study, headed by HLDI. Passenger cars and vans have the lowest insurance losses for damage to motor vehicles. Two important characteristics affect the results of crash are the size and weight of vehicles, which are closely linked. Smaller, lighter vehicles in each class, usually higher mortality. So when it comes to security, bigger and heavier vehicles are better.
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