| American culture attributes the car we drive to | | | | 5 Chevrolet Equinox |
| our persona - defining our values, our sense of | | | | 6 Ford Escape |
| style, and to some extent, our eccentricities. It's | | | | 7 Kia Optima |
| the reason that Corvette owners wave to each | | | | 8 Subaru Tribeca |
| other, and why everyone feels the need to catch | | | | 9 Buick Lucerne |
| a look to see who's driving the Hummer. In the | | | | 10 Ford Ranger |
| same manner, the car we drive also determines | | | | To create each list, we carefully analyzed rate |
| how much we pay for car insurance. Easily an | | | | data for every driver with a 2009 model vehicle |
| afterthought to the monthly car loan payment, | | | | who visited for an auto insurance quote this year. |
| many owners are "car-broke" because of their | | | | After combing through tens of thousands of |
| insurance costs and don't even know it. | | | | quotes, we came up with an average rate for |
| Are you driving one of the most expensive cars | | | | each make and model and sorted the results by |
| to insure? | | | | price. Each make and model must have had at |
| Factors That Determine Car Insurance Rates | | | | least 50 quote requests to qualify. |
| There are a handful of factors that determine | | | | What's the Fastest You've Taken It? |
| how much a person pays for insurance, including | | | | If you drive a high performance vehicle with |
| gender, age, driving record, location of residence, | | | | more horsepower than General Washington's |
| annual driving mileage, credit scores (in most | | | | Army, insurance companies have no other choice |
| states), and most importantly, the car we drive. | | | | but to assume that you will use it and practice |
| Although common-sense holds that the more | | | | riskier driving. Should you get into an accident, |
| expensive a car, the more expensive the | | | | regardless of fault, the cost of returning your |
| insurance, this is not always the case. Insurance | | | | vehicle to its original condition can be |
| rates differ greatly between makes and models. | | | | extraordinary--even for a seemingly harmless |
| If a car performs well in crash tests, it's not | | | | fender bender. |
| frequently stolen, and has additional safety or | | | | Bigger Is Safer, But Causes More Damage |
| anti-theft devices, it will generally cost less to | | | | Although SUVs, large trucks, and other large road |
| insure it. On the other hand, if your car is flashier, | | | | warriors might be safer than compact cars in |
| attractive to thieves, and doesn't wow anyone in | | | | accidents, they tend to foster a more expensive |
| the crash tests, it will cost more to insure. | | | | liability coverage rate given the fact that they |
| 10 Most Expensive to Insure | | | | inflict more damage than most standard cars in |
| 1 Aston Martin DB9 | | | | accidents. On another note, there are still many |
| 2 Bentley Continental | | | | SUVs that have inherent safety flaws in their |
| 3 Dodge Viper | | | | design, specifically with rollover tests. Accordingly, |
| 4 Porsche 911 | | | | insurance companies share these additional financial |
| 5 Chevrolet Corvette | | | | risks onto the driver in the form of higher |
| 6 Porsche Cayman | | | | premiums. |
| 7 BMW X5 | | | | Car Insurance Companies Love Family Cars |
| 8 Cadillac Escalade | | | | Cars that are particularly associated as "family |
| 9 Land Rover Range Rover | | | | cars" tend to have lower insurance premiums. |
| 10 BMW 128I | | | | These types of cars include minivans, family |
| 10 Least Expensive to Insure | | | | sedans, and station wagons. Cars that are used |
| 1 Mercury Grand Marquis | | | | primarily to transport a family are generally |
| 2 Buick Lacrosse | | | | involved in fewer accidents, due to safer driving |
| 3 Toyota Avalon | | | | habits associated with those who transport family |
| 4 Kia Sportage | | | | members. |