The top 10 cheapest and most expensive 2011 cars to insure

Mercedes-Benz car shown in their show-room on ...

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A new year means many things for car buyers; new safety ratings, new models, and new costs. Another aspect of a car search to consider is the cost of Auto insurance; preferably before Royce rolls his brand new auto from the lot.

Fortunately, Insure.com has done the world a great service by ranking the most expensive and least expensive cars to insure. Most of the cars on these lists will come as no surprise to you, but nonetheless good information to have before you adventurously strike out to haggle with the peddlers of the automobile world.

Least Expensive (2011)(Cheapest first)

  1. Chrysler Town and Country LX
  2. Toyota Sienna
  3. Toyota Sienna LE
  4. Honda Odyssey LX
  5. Nissan Murano
  6. Jeep Wrangler
  7. Honda Odyssey EX
  8. Toyota Sienna
  9. Ford Escape
  10. Toyota Highlander
Most Expensive (2011)(Most expensive first)

  1. Mercedes-Benz SL65 AMG
  2. BMW 750i
  3. BMW 750Li
  4. Mercedes-Benz SL63 AMG
  5. Mercedes-Benz S65 AMG
  6. Aston Martin DB9
  7. Mercedes-Benz CL600
  8. Porsche 911 Carrera S
  9. Aston Martin DB9 Volante
  10. Mercedes-Benz G55 AMG

It’s important to note that the car you drive is NOT the only factor that affects your auto insurance rates. Several other factors, including age, gender, area of residence, and annual mileage also play a part in determining the number at the bottom of your car insurance bill. We’ve also written about how each of these affects your insurance, if you’re interested.

As for the car itself, there are reasons that some cost more to insure than others. This is due to safety ratings, top speed, anti-theft devices, and cost. It makes sense that a fast, poorly protected car will be the apple of a thief’s eye and therefore cost more to insure.

Performance: what can this baby do on the highway?

If your car’s engine could power a third world village, your insurance is going to be higher. Insurance companies have to assume that high performance cars are bought for just that reason: to drive fast and practice risky driving behaviors. If you want to keep your insurance low, stay away from performance vehicles.

Foreign Cars:

If your dream car has parts from obscure companies and/or locations, beware. Should you get into an accident (even a minor fender bender), the replacement parts will be much more costly than high supply auto parts. That factors into your insurance cost; in fact, it may factor in even more in the future if gas (and thus shipping) prices continue to rise.

Bigger is not always better:

First and foremost: YOU ARE NOT NECESSARILY SAFER IN A BIGGER CAR. There are many large trucks and SUVs that have inherent safety flaws.  Consult crash test reviews and data before you commit to a larger car. However, even if safer, SUVs are not necessarily the best way to obtain low car insurance. Big cars tend to have a higher liability coverage rate because they do more damage to other cars in accidents.

Consider a ‘family car’:

Remember the ‘high performance, high insurance’ paragraph? Well the converse is also true. Cars associated with ‘routine, safe’ driving behavior are going to cost you less. These are the cars that many think of as ‘family vehicles’: minivans, station wagons, and family sedans. This is due to the fact that ‘family vehicles’ are statistically involved in fewer crashes than other types of cars; therefore, they will cost you less to insure.

 Remember:  insurance companies play a game of numbers; if your car is going to cost more to replace, then you’re going to pay more for it.  With that in mind, go forth and buy the right car for you and your insurer.

And, of course, if you find yourself in an auto insurance pinch, look to Gordon Insurance: we provide both a wealth of information on our website and would be happy to place you with the right insurance agency for you.

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Car Crashes: a word to the wise from the not-so-wise

Honda CR-V photographed in Rockville, Maryland...

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Let it be stated for the record that I, Corbin Foucart, am henceforth a TERRIBLE driver. This shall be reflected in both my crushed ego and in my insurance premium. However, until 6:57 A.M. Eastern Standard Time, April 1st 2011, I considered myself a good driver. Why the transformation? Because that morning I took my cherished 1994 Honda CR-V and slammed it into a tree.

Now some explanation. I don’t have the right to make excuses; I was ENTIRELY at fault, BUT…

  1. The roads were slippery. It was snowing on April 1st!!
  2. The roads on which I drove were untouched by plows.
  3. Another student totaled her car on the same road that morning. Misery loves company.
  4. I was going around a curve
  5. I was going very slowly (Less than 20 mph). The airbags didn’t go off, and there was barely an impact.

…but I know that I should have been traveling even slower.

As I rounded the curve, the Honda began to slip off the road. Threshold braking did not help at all. Under different circumstances, I would have described the “crunch” sound as very satisfying. At the moment, it sounded like the lid of my own coffin closing. I tried shifting into reverse and backing out, but the Honda had grown attached to the tree and was holding it in a twisted metal embrace. So I called home. Uh oh.

My mom actually thought it was an April fool’s joke. I had to repeat myself several times before she understood that I wasn’t pulling her leg.

 I totaled the car; even though it wasn’t that bad of a crash, the undercarriage was bent.

What I find weird is that it wasn’t a stereotypical ‘bad morning’. I’d been accepted by Stanford, my dream school, the day before and that morning I was still running on a feeling of elation.  I was in no rush, and was looking forward to the day. Needless to say, the collision brought me crashing –no pun intended- back down to Earth. In the grand scheme of things, a totaled car is a small price to pay for my sister’s life and my own, but still frustrating nevertheless. The very sobering reality is that now I have no personal freedom to travel where I please. Doing things I took for granted with a car now has to be coordinated in advance.  

An interesting article by Insurance journal (which is worth having your teen read, by the way) states the a new study showed that the vast majority of teen crashes are caused by failing to scan for possible hazards, speeding, or becoming distracted. While I would argue that my personal case falls under the category of “poor weather or road conditions”, which they cite as rare, I know from the vast majority of accidents and fender-benders my peers are involved in that these three causes are legitimate. Another student I know totalled his car earlier in the year going to fast and driving into a rock wall. Another student did the exact same thing last month. Another student I know hit a tree while texting in the car. I’m sure as a reader you can think of countless similar anecdotal evidence to support the article’s conclusions.

The moral of the story to me is that accidents can happen WHENEVER you let your guard down.  Be safe, be vigilant, and as I’ve learned, BE SLOW!

The tree could not be reached for comment.