Erie Car Insurance Group – Is It For You?

March 14th, 2011 Tammy Posted in Insurance Categories No Comments »

Erie Insurance was started by O.G. Crawford and H.O. Hirt in 1925 and after just three years in the business – the Erie Car Insurance Group had expanded to build offices in several cities. As the company grew, the demand for other types of insurance grew, as well. Therefore, Erie stepped up to the plate to offer a variety of different insurance options including auto insurance, fire, homeowners insurance and inland marine insurance. If you’ve heard the name Erie Car Insurance before, you may be curious, but you’ll probably want to know more about this company before deciding if it’s right for you. Therefore, in the following information, we’ll describe some of the details and options you’ll have, if you choose Erie Car Insurance Group.

Multiple Locations

The first aspect you’ll need to consider (if you’re thinking of opening a car insurance policy through Erie) is whether this provider writes policies in your state. Erie Car Insurance Group is currently, available in 11 states:

  • Indiana
  • Illinois
  • Maryland
  • District of Columbia
  • North Carolina
  • Virginia
  • Pennsylvania
  • Ohio
  • New York
  • Wisconsin
  • West Virginia

If Erie Car Insurance is offered in your state – it could be one of your best options. Therefore, you may want to consider getting a rate quote for Erie to compare with quotes from other providers in your area.

Cheaper Rates & Discounts

Erie Auto Insurance offers fair and competitive auto insurance rates to its customers. In customer reviews, Erie Car Insurance Group was consistently chosen for its cheaper rates. While, rates can vary from policy to policy – Erie also manages to keep the rates so low because they offer a long list of exceptional discounts to their customers. Discounts one can receive through Erie Car Insurance Group include discounts such as:

  • Safe Car Discount (for anti-theft devices such as, an alarm system and safety devices such as, ABS, airbags, etc.)
  • Safe Driver Discount
  • Multi-Car Discount
  • 55+ Discount
  • Multi-Policy Discount
  • Payment Plan Discount
  • Youthful Driver Discount
  • Life Multi-Policy Discount
  • Auto Accident Prevention Course Discount
  • Driver Training Discount
  • College Student Discount
  • Reduced Usage Discount
  • Loyalty Discount (for policyholders who have remained loyal for 15 years or more)
  • Lower Mileage Discount
  • Accident Forgiveness Program

Policy Features

An auto insurance policy from Erie protects drivers against financial loss, in the event that they are involved in a car accident. Erie offers traditional insurance options including liability, property and medical and less traditional options including, uninsured and underinsured coverage that pay you and your passengers if you are involved in a collision with another driver who doesn’t have an insurance policy or who doesn’t carry enough insurance to cover your bodily injury and/or property damage. In addition, more than 30 additional car insurance features can be added to your policy for a customized policy that fits your needs.

Long-Term Stability

When searching for the right auto insurance company for you – you may not think about the company’s financial strength and rankings. However, this is ultimately, very important to the customer because it is proof of a provider’s ability to cover claims – even if the company is in the middle of an expensive financial disaster. To put it simply, an insurance company’s financial stability is important to a prospective policyholder because it will ensure that he or she will receive the necessary repairs to their vehicle and medical payouts after an accident, regardless of the company’s financial state.

J.D. Power is one of the most respected “insurance-ranking” firms in the United States. This company rates the financial stability of various insurance companies (and other companies) throughout the United States. J.D. Power gave Erie Car Insurance Group a five out of five in price, policy options, local agent performance and overall purchase experience.

If Erie Car Insurance Group is offered in your state — this may very well be the right insurance option for you. Not only does this auto insurance company provide top-rated customer service, maximum flexibility and more, but Erie also delivers a high level of customer satisfaction, as well.

There are many different exclusive features that are available to Erie auto insurance customers, but are difficult to find elsewhere, especially in terms of the Youthful Driver discount and many other options. In fact, Erie is one of the few provider options that doesn’t increase your rates substantially when you add your teen driver to your policy. On average, Erie policyholders experience a 50 percent increase for adding their teen, while other insurance providers nearly triple a policyholder’s rates for adding a driver under the age of 21. This is just one of the many reasons why Erie Car Insurance Group just might be right for you!




3 Coverage’s you Can go Without Next Time You Renew Your Car Insurance

March 11th, 2011 Tammy Posted in Insurance Categories No Comments »

If you’ve ever clipped (and used) a coupon, entered a discount code, shopped the bargain bins or you refuse to go out, except for ladies’ night when you get free drinks – you probably already know quite a bit about saving money. What you may not be familiar with is: how to save money on your auto insurance policy. While it may seem confusing – it doesn’t have to be, when you know the basic necessities of car insurance and what YOU will need when you renew your policy.

1. Driving an Older Car or Clunker? Just Say No to Collision — While you may often hear about comprehensive/collision coverage (otherwise known as, total coverage), this type of insurance is the priciest type of coverage available. In some cases, new car owners are required to have total coverage. However, there is another type of coverage you can choose, if not otherwise required to have comprehensive coverage by your bank, lending company or other funding source.

The most basic type of insurance is what is known as, liability insurance. This type of car insurance doesn’t pay for bodily injury or property damage for the policyholder (you) or your passengers, but it does cover these types of liability for anyone else (or anyone else’s property) that was involved in a collision or in the event that the policyholder would need to make a claim. Liability insurance is also the cheapest car insurance you can get, while still abiding by state law. Every state has a different required minimum in relation to car insurance, in order to operate a motor vehicle. Find out what the minimum requirement is in your state and, if you can choose liability over comprehensive coverage.

2. Got Great Health Coverage? Pass on Personal Medical Insurance – While some agents may not want you to know – if you or your spouse, receive great health benefits from your job OR you purchase coverage from another source, you can probably skip Personal Medical Insurance coverage the next time you renew your policy. This is because Personal Medical Insurance coverage basically, works in the same way as your health insurance. Therefore, if you have health coverage, PMI coverage is usually, not necessary.

3. Trying to Save Money? Boot Towing Coverage off your Policy – While towing and labor costs can be a nice addition to your policy, they can also be an expensive addition (that you may never need to use). If you drive a vehicle that has On Star, you will have access to towing assistance. Companies like, AAA and CAA (in Canada) provide reasonable rates for a certain number of tows, per year. Many times, cell phone companies offer plans that allow free towing when you have your cell phone through their company, as well. Of course, if you have no other towing option and your car is not exactly up to par, you might want to go ahead and get this coverage. However, if you can avoid paying for towing and labor coverage each month – in can save you a lot of money that can really add up!




USAA Auto Insurance Pricing & Plans Reviewed

March 7th, 2011 Tammy Posted in Insurance Categories No Comments »

Most insurance companies appreciate our U.S. Military enough to provide a substantial discount to government workers and those in the armed forces. However, USAA Auto Insurance goes one step above that by offering car insurance that is designed specifically for those in the U.S. Military. Keep reading to find out more about insurance pricing and plan review information for USSA Auto Insurance.

Safe & Secure

The United Services Automobile Association (USSA) has earned a solid and respected reputation throughout the years – in many different aspects. The USSA has received excellent financial scores, in terms of how well they handle their business. This auto insurance provider boasts the highest possible ratings from all five insurance rating services (A.M. Best, Standard & Poor’s, Moody’s, Weiss Ratings and Fitch Ratings. Therefore, anyone considering opening a policy through USSA can rest assured that their investment and the financial
future of the company will be secure.

Friendly Service

When you’re searching for an insurance company – it’s important to find a provider that offers helpful customer service. For this reason, USAA stands above the rest. USAA customers say that the customer representatives are very helpful and in most cases, the claims process is quick, easy and hassle-free.

Cheap Rates

While financial stability and friendly service are essential aspects to choosing the right insurance company for you – one of the biggest reasons people choose a particular insurance company is for cheap insurance rates. In terms of USAA’s pricing – they offer some of the cheapest around. While economically-minded consumers are pleased with USAA’s low pricing and cheap rates – even, those who aren’t concerned about pricing are pleased with the plans and services provided by USAA.

Special Plans

The United Services Automobile Association has plenty of attractive features, as well as, providing specialized insurance plans. While almost everyone would like to take advantage of this top-rated insurance company – only past or current military personnel (and their children) are eligible to open a policy with USAA. In addition, this insurance company offers some of the best plans in the industry. USAA provides the U.S. Military with some of the best car and motorcycle insurance plans that are available.

Additionally, the United Services Automobile Association provides a lenient “Accident Forgiveness” option for anyone who may be involved in a collision, but doesn’t want to see their rates go through the roof – this option from USAA enables policyholders (even those who are at fault) to keep their rates the same after an auto accident.

When you take a look at the big picture – The United Services Automobile Association impresses customers with its solid financial standing, friendly customer service reps, affordable insurance rates and specialized plans, which not only makes USAA the best insurance provider for military service personnel, but also one of the top-performing insurance companies throughout the United States. If you are involved in the military (or have parents who are current or former members of the military) – you can take advantage of the incredible pricing and plans provided by USAA auto insurance.




Nissan Quest Auto Insurance

February 28th, 2011 Tammy Posted in Insurance Categories No Comments »

If you are considering purchasing a Nissan Quest, you will likely, need to consider the cost of insurance, as well. While the Nissan name is considered a reliable and consistent option for drivers and generally, most drivers are happy with the overall quality and performance of this vehicle make. However, prospective buyers may wonder,  “Are the auto insurance rates for insuring a Nissan Quest, affordable?”

Safety is one of the most important aspects in determining the cost of insurance, and due to the fact that the Nissan Quest is loaded with safety features and that it has received excellent safety ratings – Nissan Quest can take advantage of cheaper insurance rates.  Keep reading to learn more about the safety aspects of the Nissan Quest, in relation to the auto insurance rates for the vehicle.

Nissan Quest: Safety Features

The Nissan Quest offers a variety of different safety features that impact the overall cost of insurance. Insurance companies offer lower premiums for policyholders who drive “safer” vehicles and additionally, they offer discounts for safety features, as well.  A few of the standard safety features on this vehicle include front, real and third row head airbags; four-wheel anti-lock brakes; tire pressure monitoring, rear door child safety locks; dual front side-mounted airbags; emergency braking assist; front and rear ventilated disc brakes and traction control. In addition, the Nissan Quest offers a remote anti-theft alarm system that lowers the risk of the vehicle being stolen or vandalized, therefore lowering the total cost of the premium. Additional safety features that may or may not be standard in a Nissan Quest include cornering lights, passenger airbag occupant sensing deactivation, engine immobilizer, front seatbelt pretensioners, electronic brakeforce distribution, passenger head restraint whiplash protection system, and driver restraint whiplash protection system.

Nissan Quest: Safety Ratings

The Nissan Quest received superb ratings in crash testing and safety testing. The National Highway Traffic Safety Administration rates vehicles for safety, in terms of how well they protect the driver, as well as, any passengers inside the vehicle. The Nissan 2011 received the following ratings: all five stars for overall passenger safety, five stars for overall driver safety, five stars for side impact rating, five stars for rear impact rating and four out of five stars for rollover safety. The Insurance Institute for Highway Safety (IIHS) conducts crash tests and provides ratings. The Nissan Quest received a ‘Good’ rating in terms of, frontal offset safety testing and side impact testing.

Due to the fact that the insurance companies use other methods for determining the insurance rates – it is difficult to determine what the final premium will be for Nissan Quest owners. While insurance rates are dependent on many different factors ranging from the policyholder’s driving record to where the vehicle is parked – overall, the Nissan Quest offers affordable insurance rates. Insurance companies appreciate many aspects about the Nissan Quest including, the reliable reputation associated with Nissan vehicles, as well as, the safety features and high safety ratings for these vehicles.




Honda Vs Toyota Which Cars Have Cheaper Car Insurance?

February 25th, 2011 Tammy Posted in Insurance Categories, Uncategorized No Comments »

Toyota and Honda are two of the most popular rivals for the number one selling car in America. Both cars have competed for decades with similar features, prices and designs. For years, car owners have debated over which option is best. However, we’d like to answer this question, in terms of which car offers the cheapest car insurance.

While we, as consumers may tend to buy cars that have the most attractive features including, those with the cheapest price, the latest technology or the the most aesthetically appealing option – it’s important to consider the long-term effects of your choice, as well.

If you are buying a new car and debating over which top brand to buy – you may want to consider the cost of insurance when making your next selection.

Cheap Insurance for Honda and Toyota

Both car manufacturers sell affordable cars and the good news is that both vehicles offer cheap insurance rates, too. There are three specific reasons why these two brands offer cheaper rates. Honda and Toyota vehicles carry cheaper rates because:

  • Cheaper Vehicles = Cheaper Insurance Rates
  • Both companies manufacture economically priced vehicles, which means it costs insurance companies less to replace them (meaning less risk) – resulting in lower insurance rates.
  • Safer Vehicles = Cheaper Insurance Rates
  • Both companies manufacture vehicles that have multiple safety features and typically, receive high ratings in crash safety tests. Vehicles that are safer, pose less of a risk of being involved in an accident, which means less risk to the insurance company, and cheaper insurance premiums.
  • Smaller Vehicles = Cheaper Insurance Rates
  • Both of these companies often, manufacture vehicles that are smaller in size, which means these vehicles will cause less damage to other vehicles, in the event of a collision. Therefore, the insurance company stands less of a chance of having to pay for high-damage claims. Again, if the risk to the insurance company is lower – the rates will be lower, too.

Which has Cheaper Insurance: Honda or Toyota?

In terms of comparing insurance rates between Honda and Toyota vehicles, it’s hard to pinpoint which car is cheaper. However, as far as comparing insurance rates for similar vehicles from both companies – the rates are almost always about the same or at least very similar. For example, the  Toyota Corolla is priced around $19,359 MSRP with average insurance rates at around $1,250 per year, while the Honda Accord DX that features a starting price around $21,795 using the same basis to calculate an insurance quote had an average insurance rate of about $1,250 a year. While the MSRP is often, similar for both options – car insurance is generally, cheaper for Honda drivers* than it is for Toyota drivers. One factor that may contribute to higher rates for Toyota was the early 2010 recall of several Toyota models, which may have resulted in increased rates through some companies due to the heightened risk for coverage providers.

*Fact: Honda Civic has one of the cheapest insurance premiums in the entire sedan category.

In conclusion, Toyota and Honda are both comparable car makes, particularly because they both seem to release similar models. This means that the insurance rates are generally about the same for Toyota and Honda vehicles. Both car manufacturers have released similar hybrid cars – the Honda Insight and the Toyota Prius – and both offer an affordable sticker price, excellent fuel economy and almost matching insurance rates. Overall, Honda and Toyota vehicles are both exceptional options, in terms of affordably priced insurance rates.




Cheap SUV Insurance Premiums – Don’t Pay Too Much

February 15th, 2011 Tammy Posted in Insurance Categories No Comments »

If you drive an SUV or you’ve started comparing insurance for a sport utility vehicle you’re hoping to buy — you may have figured out that the insurance costs are much steeper than most other cars such as, a small sedan or hatchback. Learn why it’s more expensive and how to make your SUV insurance cheaper by reading the following information.

Why does insuring an SUV cost more?

Among other factors, insurance companies calculate car insurance rates according to the vehicle’s:

*Cost to repair

*Accident risk (frequency of accidents) &

*Potential damage to another vehicle or other people (in the event of an accident)

Due to the fact that SUVs are more costly to repair than most cars, sport utility vehicles have a higher center of gravity meaning “roll overs” are more common in these vehicles, and the fact that they’re bigger than most cars, which means they have a higher risk of causing substantial damage (considerably more than a smaller vehicle might), in the event of an accident — SUVs are typically, more costly to insure. Don’t worry though — there are ways to keep your insurance costs low for your SUV.

How can I get cheaper rates for my SUV?

  • Compare Rates — If you compare rates for the cheapest SUV premium — you may be surprised at how much the rates can vary. It’s worth it to shop around.
  • Shop Savvy — When you are shopping around for a new or newer vehicle, check out what the rates would be with your existing provider or by comparing rates for SUVs you’re considering purchasing, via insurance comparison websites. This way, if the insurance is too much — it won’t be too late to select a different model to buy. Hint: The more safety features your SUV boasts, the cheaper the premiums will be because most insurance providers offer multiple safety discounts (including, security features) — keep that in mind, when shopping for a new vehicle.
  • Combine Coverage — Most insurance providers will offer a (multi-policy) discount to policyholders use their company for all of their insurance needs. Therefore, if you own your own home, have a motorcycle, RV, — you should consolidate your policies by going through ONE company for ALL of your insurance needs (this includes life and health insurance if those apply, too). That’s right: put all of your eggs in one basket — for a discount on your SUV premium(s).
  • Drop Excessive Coverage — If your SUV is worth $1,000 or less, there’s little reason to have it fully covered (comprehensive/collision). Your vehicle will be very costly to replace, in the event you are involved in a collision or the vehicle is stolen. The cost difference between liability and full coverage is huge. If you don’t need comprehensive on your older SUV — either drop it or don’t get it.

These are just a few of the ways to avoid paying too much for SUV auto insurance — try these simple tips to save hundreds, even thousands on your premium each year!




Honda Car Insurance Rates – Get the Lowest Price

February 14th, 2011 Tammy Posted in Insurance Categories No Comments »

Honda is the world’s leading manufacturer of engines, and this car brand becoming increasingly more popular with American drivers. Drivers prefer Honda vehicles for many reasons including, the vehicle make’s low sticker price, low gas mileage and functionality. Whether you drive (or are considering purchasing), a Honda from the Honda Element model to the Insight to the more traditional Honda models such as, the Accord, the Civic and across the board — you’ll need to have auto insurance, in most states. While car insurance is mandated in most states, it doesn’t mean you have to pay a lot to insure your Honda.

Keep reading to learn a few tips for how to get the lowest insurance rates for your Honda.

When insuring a Honda vehicle, as with all vehicles — you need to remember that there are two primary coverage types for Honda shoppers: comprehensive and liability. Liability is the lowest possible coverage and is typically, separated into two parts: property damage and bodily injury. If you’re searching for the cheapest option (you’re not required by a lender to attain comprehensive coverage) — liability coverage will make your monthly, bi-monthly or yearly bill more affordable. While liability insurance for your Honda means a cheaper monthly premium — it could have extremely expensive consequences, in the form of a repair bill and covering the costs for your own medical bills. You may want to consider going above the liability requirements in your state to protect your wallet and your vehicle. While comprehensive/collision insurance offers more coverage — it’s usually much more expensive than liability.

If you are required to have comprehensive/collision coverage or you prefer it, there are some other options for getting the lowest insurance for your Honda.

The cheapest Honda rates are somewhere in your local area — all you need to do is find them. The best way to locate the cheapest insurance rates in your location is by comparing insurance quotes for your Honda. Honda drivers can compare rates for multiple companies by signing online, selecting an auto insurance comparison service, and entering information about you and your Honda — in a few minutes, you’ll receive multiple quotes in a side-by-side format that allow you to compare prices and plans for major insurance companies in the area.

Here are a few more quick tips to keep your Honda insurance rates at the lowest price:

  • Mention EVERY safety feature your Honda has (including the standard Security Systems installed in most Honda models) — safety features mean multiple discounts on your car insurance bill.
  • Ask your insurance company if you are eligible for any discounts — some of the common options offered by insurance companies include a safe driver discount, an over 55 discount, and a low mileage discount.

Car insurance rates for a Honda are typically, reasonable — due to overall safety features, excellent crash test ratings and Honda’s sporty, but practical design. However, we’ve listed some tips for how to pay the bare minimum to cover your Honda vehicle.




How to Save Money on Auto Insurance

February 7th, 2011 Tammy Posted in Insurance Categories No Comments »

If you’re trying to find ways to save money on car insurance — you’re in luck! There are plenty of ways to save money, without putting a lot of effort into it. Keep reading to find out how simple it can be to save money on your auto insurance.

Insurance: Everyone needs it (auto insurance is required in most states), but it’s an expense most people wish they didn’t have to pay. Despite this fact, we all have to pay for coverage. However, car insurance doesn’t have to cost a lot.

Here are a few suggestions for ways to save money on your auto insurance premium:

Quotes

Your personal insurance costs vary from company to company – this is because insurance companies use different rating methods for calculating your premium. You need to find out from a minimum of three insurance providers.

Tip: Avoid shopping on price alone – shop for the best plan, coverage and customer service options to suit your needs (for the best price you can find).

 

Minimum Coverage

Every state has a minimum coverage requirement. Therefore, every driver in that state needs to have at a minimum amount of liability coverage in order to be considered legal to operate a motor vehicle (in that state). Subsequently, if you are not required (by a lender or dealership) to pay for comprehensive — you could drop your coverage down to the minimum required by law in your state, in order to save money on your bill. Keep in mind; however, it’s important to have adequate coverage. If you are not adequately covered, it could wind up costing you astronomical out-of-pocket fees and expenses to pay for the damages.

Find out if your vehicle is worth the cost of your insurance by determining your car’s value (Kelley Blue Book online is a good place to start!), calculating your annual insurance costs, and figuring out your potential loss factor.

Rule of Thumb: If your vehicle is more than 15 years old, it’s probably okay to drop your coverage down to liability.

Vehicle

The car, van, truck or motorcycle (etc.) you drive can really have an impact on your auto insurance rates. Factors that play a role in your vehicle’s insurance costs include:

  • Costly to repair – If your vehicle can be easily damaged or has parts that are expensive to replace — it can increase your car insurance bill.

How to Fix: Install safety features such as, ABS, air bags, etc. to get a safety discount OR buy a car with these safety features and with high safety ratings. Check with the Insurance Institute for Highway Safety or IIHS, you can find ratings for most cars based on safety features.

  • High theft rate – If your vehicle is on several lists of the “Most Stolen Vehicles” — chances are your car insurance will be more expensive.

How to Fix: Install theft deterrent devices such as, an alarm or security system to get a discount for added security features OR buy a vehicle that has these safety features and one that has been ranked high by the IIHS.




Top 3 Reasons You are Paying too Much for Your Auto Premiums

February 3rd, 2011 Tammy Posted in Insurance Categories No Comments »

If you think you may be paying too much for your car insurance — you’re probably right. Is it time to shop around for a better rate? There are many reasons people shell out too much for their monthly premiums. In the following post, we will discuss the top three reasons why people are “stuck” paying too much for their auto insurance premiums (and we’ll tell you how to get “un-stuck”, too).

Reason #1 – Your Car

Most drivers already know that faster cars are more costly to insure. However, many people who drive high-performance cars don’t realize that they are paying considerably more for their insurance. In addition, many drivers are unaware that if they are driving a vehicle with aftermarket parts, they will pay higher insurance premiums for these features, as well.

WAYS TO SAVE: If you garage your vehicle (or drive it less), it could help to save money on insurance. Installing an anti-theft system into your high-performance vehicle or sports car may result in reduced rates, as well.

Reason #2 – Your Driving Record

Did you know that having just ONE speeding ticket can affect your insurance premiums for several years (up to five), after the fact? By the time the ticket is removed from your record — it could cost you thousands more than, if you had never received a ticket.

WAYS TO SAVE: The best way to save yourself from paying higher insurance rates is to avoid getting a ticket in the first place. However, if you do receive a traffic ticket, moving violation or other form of written reprimand from law enforcement about your driving– you might want to consider hiring an attorney. This is especially true if the ticket was related to a DUI, DWI or OWI because these charges can place you in a high-risk insurance category, which is the most expensive kind of car insurance you can get. It never pays to drink and drive, so try to avoid it – for your sake and for the sake of cheaper insurance. 

Reason #3 – Your Teenage Driver

Teens are commonly know as, the most costly group to insure, particularly teen males. If you have a teenage driver, you are probably already aware that your insurance has gone through the roof.

WAYS TO SAVE: Check out discounts offered through your current insurance provider. Your insurance company may offer Good Student Discounts, Safe Driving Course Discounts, Driver’s Education Discounts and more to reward responsible behaviors.

How can I get cheaper rates?

The best method to lower your car insurance premiums is to shop around for the best deal. Another common reason for paying to much for car insurance is that people stay loyal and true to their insurance company. While there are discounts for loyalty — without checking the rates of other companies, you could also be paying considerably more for your insurance. Even if your rates with your current insurance company were the lowest, five years ago — a lot can change and it never hurts to “re-evaluate” your insurance needs by comparing rates and plans through other providers.




Large Sedan Auto Insurance

January 28th, 2011 Tammy Posted in Insurance Categories No Comments »

A large sedan is a perfect choice for families or teenage drivers, but what should you know about insuring these vehicles? Learn more about large sedan auto insurance.

A large sedan is typically, long and wide, featuring a powerful engine, a smooth ride and well-equipped interiors. These cars can easily seat five or even, six people and they’re the ideal choice for towing heavy loads. These cars can be comparatively cheaper to insure (with the exception of large luxury sedans), in the following post — we’ll explain why.

In terms of insurance, sedans are placed in the lower-priced category (along with minivans and SUVs). While factors such as, age, driving record, mileage, zip code, number of drivers in the household, their driving history and their ages, one of the most influential factors to the cost of insurance is the type of car you drive.

Therefore, because large sedans are considered “family cars”, most sedan drivers are older (meaning they are less likely to speed and practice safer driver) and these cars often, have multiple safety features — large sedans command cheaper insurance prices than most other cars. In addition, most sedans offer an array of safety features that insurance companies like. These safety features can include, ABS, front and side airbags, side curtain airbags and stability control. Some of the newest safety features for sedans include impressive options such as, parking sensors, knee airbags and rearview cameras.

Fun Facts about Sedans:

  • In 1922, sedans were given the first gas gauges.
  • The first stereo systems were installed into sedans in 1929.
  • The first electrically powered turn signals were installed in Buicks in 1938. Before that time, drivers had to signal their intended direction by holding their arm out the window!
  • Peanuts characters got their first major TV appearance on a Ford Fairlaine sedan commercial.

According to USA TODAY (author Jayne O’Donnell), large sedans are the best vehicles for teen safety. Making the list of the top safest sedans for teens include:

  • Buick LeSabre (1997 – 2011 with side airbags)
  • Chevrolet Impala (2000 – 2011)
  • Ford Crown Victoria (2004 – 2005)
  • Ford 500 (2005)
  • Infiniti I30 (1998 – 2001)
  • Lexus ES300 (1998 – 2003)
  • Lexus ES330 (2004 – 2011)
  • Lincoln LS V6 (2001 – 2011)
  • Mercury Grand Marquis (2003 – 2005)
  • Mercury Montego (2005)
  • Mitsubishi Galant with side airbags (1999 – 2005)
  • Pontiac Bonneville with side airbags (2001 – 2011)

 

The type of vehicle you drive can greatly influence the overall insurance rate. According to Edmunds.com and their innovative TCO system (True Cost to Own pricing system), the following large sedans are the ten cheapest sedans to insure.

  1. Pontiac G8 (2009)
  2. Ford Taurus (2010)
  3. Mazda 3 (2009)
  4. Subaru Legacy (2009)
  5. Chevrolet Malibu Hybrid (2009)
  6. Chevrolet Aveo (2009)
  7. Jaguar XF-Series (2010)
  8. Buick Lucerne (2009)
  9. Buick LaCrosse (2009)
  10. Subaru Impreza (2009)

Large sedans are typically, cheaper to insure than most other vehicles due to their size (bulk) and weight, which represents safety to the insurance company, in the event that the vehicle is involved in a collision.