Be careful the car you buy for several reasons. It could be the difference between paying so much more than your friend.



There are cars that are branded very expensive to insure by insurance companies. Interestingly, you could still find comparable cars that belong to a far less expensive group. Why is this so?

There are cars that have proven to cost a lot to repair. When you make claims that involve repairs or replacements, it usually costs insurance companies a lot more to fix such cars than comparable cars.

There are also cars that have a very high accident record. Yes, you may be the most careful driver in the world. But how safe do insurance companies rate your car? If they think that it's a car that ranks quite low in safety, you'll get to pay a lot more.

Cars that have a high theft rate also fall into this category.

Apart from these, there are very obvious reasons why some cars will cost a lot more. Just to ensure I don't leave anything out, I'll mention them.

Classics will generally cost you a lot more. High end and very sophisticated cars will also cost you a lot more. Cars with big engines will cost much more. So, if you fancy any or all of this you must be willing to make the sacrifice in insuring them.

However, there's a way you can lower your premium despite the car involved.