Cars You Can Insure Cheaply

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In a Bucks post earlier this year, ''The Most (and Least) Expensive Vehicles to Insure,'' I wrote about how Insure.com ranked the Porsche Carrera 911 GT2 two-door coupe the most expensive 2010 vehicle to insure, and that minivans and smaller sport utility vehicles tended to be least expensive to insure.

In recent weeks, a couple of other studies have come out that are also worth highlighting because they look at the subject from slightly different angles and could help car buyers decide which vehicle to buy.

Earlier this month, Edmunds.com released a rundown of the three vehicles with the lowest insurance costs in various vehicle categories.

According to Edmunds.com, the trucks with the lowest insurance costs are the Chevrolet Colorado, the GMC Canyon and the Ford Ranger. The least expensive to insure coupes, meanwhile, are the Kia Forte, Honda Civic and Chevrolet Cobalt. Among sedans, the Volkswagen Jetta, Chevrolet Aveo and Suzuki SX4 were the cheapest to insure. Vehicles that made the cut in other categories, including hatchbacks and crossovers, can be found on Edmunds.com.

Edmunds.com's ratings are based on the least expensive to insure trim level for each vehicle and on data about actual national average yearly premiums, projected out to five years, paid by customers.

Elsewhere, the online insurance comparison provider InsWeb Corporation recently released its own list of the least, and most, expensive 2010 vehicles to insure. While it found the Kia Sedona to be the least expensive vehicle to insure and the Acura ZDX (some models of which were recalled last year) to be the most expensive, its findings, in general, are similar to those of Insure.com.

Over all, in the studies from both InsWeb and Insure.com, performance vehicles tended to the most expensive vehicles to insure, while minivans, wagons and small SUVs tend to be the least expensive.

InsWeb based its analysis on car insurance rate quotes requested by its customers from January to September of this year for about 400 2010 model-year vehicles.

How do insurance costs play a role in your decision of which vehicle model to buy, if at all? If they do play a role, what are your strategies for comparing the insurance costs for various models and selecting a model?

This is a more complete version of the story than the one that appeared in print.

View the original article here