The most direct way to cut your premium costs is to buy those cars which are deemed by the insurance carriers to be the safest to drive. When determining which cars qualify for lower premiums, insurance carriers don’t just consider the safety of the car. They often look at the type of drivers that a particular car attracts. For instance, premiums on certain minivans are priced lower because they tend to be driven by moms who the carriers consider among the safer drivers. Another general rule of thumb is that insurance premiums are linked to horsepower; the greater the horsepower, the higher the premiums. Not only do these cars tend to be more expensive, they also tend to be driven by more aggressive drivers.
To keep your insurance premium cost to a bare minimum, you should research your car purchase based on the average insurance costs. While you can find some publications that report average insurance costs for vehicles, you should check with your carrier as each has their own experience which will determine insurance rates. As far as the averages, these cars make the list in their respective categories:
Small-size SUV: Mazda Tribute
Sedan: Dodge Caliber
Pickup truck: GMC Canyon WT
Minivan: Honda Odyssey LX