2011 – Cheapest and most expensive cars to insure

A recent study, posted online, reveals which automobiles are the most expensive to insure this year. As you can imagine, the expensive high performance vehicles top the list. Regardless if you are a great driver, with years of driving experience and a clean driving record, acquiring Mercedes SL65 AMG will mean you have to pay over $3,500 a year in premiums.

It is worth noticing that 8 out of the first 14 vehicles in this list are Mercedes – S65 AMG, CL600, G55 AMG, CL65 AMG, CL63 AMG, SL550, SL65 AMG, SL63 AMG. A couple of models of each manufacture Auston Martin, Porsche and BMW complete the list.

Needless to say, if the SL65′s $198,750 recommended retail price is affordable to you, maybe you don’t worry too much about saving cash on car insurance rates. If you are a normal car owner, your auto insurance costs ought to be a thing to consider when shopping for a motor vehicle. In fact, why look for the best deal on a car to discover it has outrageous insurance costs?

A car’s premiums for collision and comprehensive coverage are mainly determined by that vehicle’s “loss history,” reflecting how often and what type of claims other people have typically filed for that model. Vehicles chosen for speed and flash – and also vehicles usually preferred by young, inexperienced drivers — compile claims and thus garner higher insurance costs.

Add in a motorist with a history of traffic violations, claims or accidents and you have a recipe for genuinely distressing auto insurance rates.

In 2011, the least expensive car to insure is the Chrysler Town & Country LX minivan. Its national average annual insurance premium is $1,091.80, 1 / 3 of the cost of insuring the Mercedes SL65 AMG.

The Toyota Sienna minivan and its LE version earn the No. 2 and No. 3 spots, respectively, on the list of cheapest motor vehicles to insure.

Discounts for additional safety features can also bring insurance rates down. Such equipment includes electronic stability control, which could help drivers steer clear of accidents, and overhead airbags.

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