Reader’s Question:
I’m about to buy my son his first car. I know that having a teenage driver under my policy will increase my premium. I also know that the kind of car a person drives also affects the rate of an insurance policy. What are the cars that are not too expensive to insure?
Larry
Rapid City, SD
It’s true that adding a teenage driver under your policy will surely increase you premium. This is because teenage drivers are considered high risk drivers. And it’s also true that the kind of car you’re going to get for your son will have an effect on your insurance rate. So, getting a sports car for him is not advisable. So, what are the cars that are considered least expensive to be insured?
According to a study conducted by Insurance Institute for Highway Safety (based on 2004-2006 vehicle models) following are the least expensive cars to be insured:
1. Ford Five Hundred 4WD (now the Ford Taurus)
2. Buick Rendezvous 4WD
3. Buick Lucerne/Buick Rainier 4WD/Honda Odyssey
4. Ford Freestyle 4WD/Subaru Outback 4WD
5. Buick Rendezvous/Honda Pilot
6. Chrysler Town & Country LWB
7. Honda Pilot 4WD
8. Buick LaCrosse/Chevrolet Uplander/Ford Escape/Volvo V70
9. Dodge Grand Caravan/Ford Freestyle 4WD
10. Ford Explorer 4WD/GMC Sierra 1500 4WD/Toyota Highlander/Toyota Sienna
These cars are found to be less likely to be stolen, and are said to be parked always in the garage. People who drive them are those who are most likely not to speed drive or drive carelessly. Also, they are not often used to going to work thus lessening the chance of being involved in a vehicular accident.
When shopping for cars in Rapid City, always consider that value of the car. And when shopping for insurance make sure you’ll do your research.
Tags: cheap auto insurance
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