That some folks are spending more than they should in car insurance is a painful thing. And, Although it might be hard to accept, the difference between what they are paying and what they would if they knew better could be up to $1000. Yes, that's not a typo error. This article will help you get back some of that. Just take your time to read through.



There are a lot of cars out there today. The difference between two may just be a matter of prestige or popularity. How established the manufacturer is could also be a factor. Other factors that a lot of us will also consider are things like fuel consumption, how safe a car is and how trendy it looks. However, few people really ever think about how much more a car may cost them in insurance premium over a few years. Considering how much this could be and that you could save a bundle by simply buying a similar car by another manufacturer, it's certainly worth taking note of.

Cars have been grouped by insurance companies according to the risk level attached to each. These grouping is usually based on data gathered over years on things like the durability of a car, how prone a car is to certain accidents based on data retrieved from appropriate quarters and such. Certain cars have built a reputation of durability. Others may have built a safety reputation. On the other hand, a car might have been penned down for a trait that attracts higher premiums. I'll give you an idea of how similar cars could be a world apart in the premiums insurance companies charge for them through the next piece of information. Following is a list of cars that attract the lowest premiums starting from the least expensive to insure (From Reuters News Service based on the 20 best-selling vehicles at the time of the study)...

1. Chrysler Town & Country

2. Chevrolet Cobalt

3. Dodge Caravan

4. Chevrolet Impala

5. Ford Taurus

6. Ford Econoline

7. Jeep Grand Cherokee

8. Chevrolet Malibu

9. GMC Sierra Pickup

10. Toyota Corolla

Now let's see the most expensive to insure in order of their expensiveness...

1. Ford F-Series

2. Dodge Ram Pickup

3. Ford Explorer

4. Honda Civic

5. Chevrolet Silverado-C/K Pickup

6. Toyota Camry

7. Honda Accord

8. Chevrolet Trailblazer

9. Nissan Altima

10. Ford Focus

You can see how picking a comparable car in the right grouping could easily save you a bundle. This is unless you really are bent on having a particular car model from a particular manufacturer. However, we know that for most of us the price/value is also an important factor.

I really do understand that the two lists do not have all the cars in the world. But I really think the point has been made here. It is that you have to take into consideration what you'll have to pay as premium before settling for a car. It will be up to you to determine if it makes sense in your case to buy a particular car when a similar car will result in premium that is hundreds of dollars lower.

Knowing the exact difference is important. This will make you weigh your options better. And, with car insurance quotes sites all you'll need to do is request different quotes for similar car makes to see which is less expensive and by what factor. It will take you a few minutes.

On a final note: For those who already have cars, it may interest you to know that unless you followed certain steps you are certainly paying several hundred dollars more than you should be paying.