* The Car Itself: Certain car models consistently have lower insurance premiums due to factors like safety ratings, repair costs, and theft rates. Generally, smaller, less powerful, and less sporty vehicles are cheaper to insure. Websites like Insurance.com and NerdWallet often publish lists of the cheapest cars to insure. Look for cars with high safety ratings from organizations like the IIHS (Insurance Institute for Highway Safety) and NHTSA (National Highway Traffic Safety Administration).
* Your Driving History: This is arguably the biggest factor. A clean driving record with no accidents or tickets will dramatically lower your rates. Maintaining a good driving record over time is the best long-term strategy.
* Your Location: Insurance rates vary significantly by state and even zip code due to things like crime rates, accident frequency, and the cost of repairs. Rural areas typically have lower rates than densely populated urban centers.
* Your Age and Gender: Younger drivers, particularly males, usually pay higher premiums due to statistically higher accident rates.
* Your Coverage: Comprehensive and collision coverage is more expensive than liability-only coverage. Opting for higher deductibles will reduce your premiums, but you'll pay more out-of-pocket in case of an accident.
* Multiple Quotes: This is crucial. Don't settle for the first quote you get. Get quotes from multiple insurance companies, both online and through agents. Compare not only the price but also the coverage offered.
In summary, you won't find a "place" to buy the lowest-rate car *and* insurance. Instead, focus on finding a car known for low insurance costs and then diligently comparing insurance quotes from several providers after considering your personal circumstances. Use online comparison tools, but remember to verify the information with individual insurers.
