Car shopping is a breeze, right? Once you get past the pushy salespersons, APR, sticker price, trade in value, credit checks, negotiating, test drives, purchase packages, add-ons, extras, warranties, finance office, document signings, co-signer, and the overwhelming regret you feel the moment you leave, it’s a day at the beach.
If all that wasn’t bad enough, there’s one more thing you forgot to consider in your endless effort to buy the right car: insurance prices. It can be difficult, at times, to find insurance because not all cars are insured the same. You might be a good driver in a minivan or in a Camaro, but insurance companies want to charge you like you’re different. Before you get home and have an aneurism from the shock of talking to your agent, we’re going to save you some time and effort. Here now are the five most and five least expensive cars to insure.
If you’re not familiar, Scion is Toyota’s offshoot brand. It appears to be the hot buy for people who love the show “Pimp My Ride” but don’t have the money to get an aquarium in the backseat. It’s a fully customizable car that doesn’t even come with a CD player included. So how can this car cost so much to insure? The driver. It’s reported that most of the drivers are under the age of 25, making this trendy and hip car a real drain on the beer budget.
If you bought this car you did so for one of two reasons:
1. You have seen the Fast and the Furious over 100 times and it only gets better.
2. You decided to start a gang of Asian car thieves and you needed the perfect car to do it in.
The other possible explanation is that you are just a young driver who knows driving a Ford Focus isn’t sexy enough when you pull up at the clubs. Either way, a young driver buying a Lancer is going to be paying through the nose on insurance. It’s hard to start a gang of car thieves when you’re dumping all your money over to Allstate.
Here’s the idea behind the high price of the Tiburon: most of the people driving a Tiburon are more concerned with the condition of their eyebrows than they are about the condition of the road. They could tell you who’s headlining Lollapalooza, but not the speed limit in a residential area with no signs posted. The Tiburon is expensive because of the way people drive it. It has a high collision rate, so it’s going to cost you a pretty penny if you want to check out your brows in the rear view mirror.
If you are reading this and you own an Impreza, tell me the miles per gallon it gets. Ok, tell me about the safety features. No? Didn’t think so. If you’re driving an Impreza then your biggest concern is that your Mac has been acting up, or you haven’t been able to post comments on the wall of your Facebook Group “I Know All The Words To ‘It’s The End Of The World As We Know It.’” You’re not thinking about all the accidents that happen as a result of poor driving. Mostly because you’re a part of that bad driving and your car insurance reflects it.
So how is a car that isn’t owned by twenty something’s the most expensive car on the market? The answer is theft. The fact of the matter is that no self-respecting car thief(even in the aforementioned Mitsubishi gang) is going to be looking to steal your 1995 Honda Civic, even if it does have the awesome tape deck—CD player combo that was all the rage when you bought it. They are going after big money, and the Escalade is that. An insurance company can find money in their change purse to reimburse you for the loss of your ride, but the Escalade will set them back quite a bit.
You know why this car is so cheap to insure? Well, who do you know under 85 who willingly drives a Buick Rendezvous? No one. Except for that one kid who everyone beats the hell out of, until he ends up being more successful than everyone else. Its drivers are older, more cautious drivers, making the insurance rates much lower on these boats.
You have never had conversation, nor heard a conversation that has started: “So I was drag racing with my Outback, and….” Never happens. It’s a car you buy when you know you are old, but you don’t want to look old. You buy the car and everyone knows you’re old, but they appreciate your effort.
Once again this is a car that comes down to maturity level. You never hear a story from an Odyssey owner that ends with “so I get so tanked and I end up in some guys bed….I think we’re married cuz I have a tattoo of a snake now on my hand.” If you are driving an Odyssey you are not reckless. You are responsible. Responsible people pay less for their insurance.
This one is even less cool than the aforementioned Rendezvous. It’s cheaper because it will not only prevent you from ever getting anyone to think of having sex with you, but it will handle better in the snow and be safer for you altogether. If you were bored by this description, you now know why it’s cheaper to insure.
Remember when Ford used to be the poster child for broken-down ugly cars? Now they are the poster child for safe and boring, ugly cars. The Ford Focus will get you where you want to go and impress no one along the way. That’s the definition of an easy to insure car.
Whether you’re a high-roller or just irresponsible enough to need the best at any cost, these most expensive cars are options for you. For more pragmatic people, the least expensive cars on this list will save you big bucks, and prevent your car from being an interest of thieves and charlatans. Either way, you now know what you’re getting yourself into before you call your insurance agent.