For example, two door cars are much likely to be stolen than their four door peers. A convertible Chevrolet Corvette has a theft rate five times higher than that of a Buick LeSabre. And Toyota Celica is 67% more likely to be stolen than her sister Toyota Camry.

Another primary factor determining the cost of insuring your car is safety of those who are inside when the car crashes. Some cars will leave the passengers intact, while others have frightening lethal rates even with non-devastating collisions. So if you want to keep your life and pay lower insurance premiums, you should definitely check out the crash test ratings and see if your dream car fits into the “safe” category.

The same should be done with car theft rates. Every year these lists change, because newer and more exclusive cars tend to become the target of car thieves more often than older models. However, some car models keep on appearing in top theft lists, contributing to their “popularity” and high insurance rates respectively. These cars are:

• Toyota Camry
• Toyota Corolla
• Toyota Pickups
• Honda Accord
• Ford F-150
• Acura Integra
• Nissan Sentra

Another factor that may raise your insurance rates is how much a single theft claim costs according to the car stolen. This variable is determined by how often such claims are filed and how much the car costs. Currently the most expensive theft claims are filed on the following cars:

• Cadillac Escalade
• Chevrolet Corvette Convertible
• Lincoln Navigator

Respectively the lowest theft claims come with the following vehicles:

• Buick LeSabre
• Volvo V70 Station Wagon
• Mercury Grand Marquis 4-four

In what concerns injury claims and passenger safety, the rule of thumb here is the bigger the car, the safer it is. Vehicles with a smaller mass tend to get damage more in accidents, and the same applies to faster sports cars. Thus the rating of the most expensive vehicles in terms of injury claims:

• Suzuki Esteem 4-door
• Kia Rio 4-door
• Mitsubishi Mirage 2-door
• Kia Spectra 4-doors

While the cars with cheap car insurance due to low injury claims are:

• GMC Sierra 2500
• GMC Yukon XL 1500 4-wheel
• Chevrolet Silverado
• Chevrolet Tahoe 2-wheel

So it is better to investigate your cheap car insurance options before actually buying the car you were dreaming about. Because in reality it may turn into a real nightmare, with costly insurance premiums, high repair costs and the risk of being stolen the other day you actually buy it.

So here are the top ten cars that are the most expensive in terms of insurance:

• Cadillac Escalade EXT 4WD
• Subaru Impreza WRX 4WD
• Hyundai Tiburon
• Mitsubishi Lancer
• Scion tC
• Acura RSX
• Nissan Sentra SE-R
• Suzuki Forenza
• Nissan Sentra/Mitsubishi Eclipse
• Chevrolet Cobalt two-door

Drivers tend to believe that smaller faster cars are able to sip in and of traffic, and having enough speed makes them want to do that on a regular basis. But no matter how good of a driver you are, you can’t compete with laws of physics. Moreover, such cars tend to be driven by younger drivers who are in general much more risky than other groups of car owners. Auto manufacturers tend to make such cars more available price-wise and this results that young inexperienced drivers are driving riskier cars, which results in high car insurance or auto insurance premiums for both.

And here are the ten least expensive vehicles to insure:

• Ford Five Hundred 4WD (now the Ford Taurus)
• Buick Rendezvous 4WD
• Buick Lucerne/Buick Rainier 4WD/Honda Odyssey
• Ford Freestyle 4WD/Subaru Outback 4WD
• Buick Rendezvous/Honda Pilot
• Chrysler Town & Country LWB
• Honda Pilot 4WD
• Buick LaCrosse/Chevrolet Uplander/Ford Escape/Volvo V70
• Dodge Grand Caravan/Ford Freestyle 4WD
• Ford Explorer 4WD/GMC Sierra 1500 4WD/Toyota Highlander/Toyota Sienna

So when you’re considering a new car make sure to get car insurance or auto insurance quotes to see if you are willing to pay high premiums for your new ride.