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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MA Documents: The Notorious Notary

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We all know death and taxes are certain. Have you also noticed there is a growing need to have mainstream documents notarized? As recent as a few years ago, common day documents such as simple permission slips for minors for a field trip to the museum  or rental agreements for college age students were simply signed by the  student, parent or guardian. Not so much any longer as many mundane forms now require the official stamp of notarization from your local friendly notary. Here at Andrew G. Gordon Inc., we are happy to help out any customer with our complimentary notary service. This service is also available to new visitors to our agency.

What is a notary, you ask?  A notary public is an official of integrity appointed by the state to serve the public as an impartial witness in performing a variety of official fraud-deterrent acts related to the signing of important documents. These official acts are called notarizations or notarial acts. Notaries are publicly commissioned as “ministerial” officials, meaning that they are expected to follow written rules without the exercise of significant personal discretion, as would be the case with a “judicial” official.

If you are asked for your driver’s license, please do not be offended. It is the duty of a notary to screen the signers of particularly sensitive instruments — such as property deeds, wills and powers of attorney — for their true identity, willingness to sign without duress or intimidation, and  awareness of the general import of the document. Some notarizations also require the notary to put the signer under an oath declaring under penalty of perjury that the information contained in a document is true and correct. Impartiality is the byword of the notary and the foundation of its public trust. Notaries are duty-bound not to act in situations where they have a personal interest. This means the notary cannot notarize a family member’s document.  The public trusts that the notary’s critical screening tasks have not been corrupted by self-interest. Impartiality dictates that a notary never refuse to serve a person due to race, nationality, religion, politics, sexual orientation or status as a non-customer.

Remember that Andrew G. Gordon, Inc. offers complimentary notary services to our clients or new visitors with appropriate documentation.  Stop by and we will be sure to assist you!

Katherine McCarthy
CPCU, Andrew G. Gordon, Inc.