Car insurance offers the consumer great protection, but premiums have been rising consistently and can really add to the cost of owning a vehicle. Insurance companies base their rates on so many variables over which the driver has no control, such as gender and age, so that it is nice to find areas over which the consumer does have some power to make judgments that will lower the price.
How to reduce the cost of your car insurance?
One of the easiest ways to keep premiums low is by purchasing a vehicle that is considered less likely to be involved in an accident or less likely to experience major damage during such an event. Insurance companies also give lower rates to customers who drive cars that do not make the most desirable targets for thieves.
Cars and trucks that lack the big engines that would tempt the driver to show off their astonishing speed are also considered more desirable by insurance companies and will always get the consumer a better insurance rate. Which cars should drivers look to purchase if they want to pay less for insurance?
Buy these cars if you are in Canada
In Canada, the following eight vehicles are some of the least expensive to insure:
1. Ford Taurus 4WD:
This popular five passenger vehicle gets great gas mileage as well as lower premiums.
2. Buick Rendezvous 4WD:
Drivers find this mid-sized luxury crossover to be comfortable and stylish.
3. Buick Lucerne:
This large sedan is perfect for family travel and for transporting the odds and ends that children seem to need.
4. Buick Rainier 4WD:
The rear air spring suspension of this SUV offers the passenger a great ride, and this vehicle can carry over 6,000 pounds without a problem.
5. Honda Odyssey:
This minivan can be purchased with some great safety equipment, such as the Blind Spot Information System and dual-stage, multiple-threshold front airbags. It also is equipped with three-row side curtain airbags with a sensor that detects rollovers.
6. Ford Freestyle 4WD:
This crossover wagon is known for ease of maneuvering, especially during trying weather conditions. These vehicles will hold seven passengers and come equipped with 203 horse power.
7. Subaru Outback 4WD:
This sport utility wagon has a raised suspension and an extremely stylish exterior design. It will accommodate five passengers and consumers have the option of getting a voice-activated navigational system.
8. Honda Pilot:
With fold flat seats and room for storage, this vehicle will seat eight and is perfect for families who need cargo space.
Auto Insurance companies in Canada experienced the least loss on these cars in past years, and their lower premiums reflect this record. Consumers looking to lower their insurance rates should consider purchasing one of these vehicles before looking at other models. Many of them not only offer a safer driving experience, but they also give the driver some of the newest features in automotive design.
Melanie Lewis writes for a car loan calculator website that helps consumers estimate their monthly repayments before purchasing a new vehicle.