An Auto Insurance Agent Can Advise on the Least Expensive Car to Insure

It can equal big cost savings to buy the right vehicle to keep your Florida auto insurance premiums low. The 2011 list of the least expensive vehicles to insure was recently released. These vehicles have the lowest loss and claim record history, best drivers, and reasonably priced parts.

Sport utility vehicles, vans, and minivans top the list of cheapest to insure. Insurance companies like these autos because they’re usually driven by parents with kids who are doing errands and short trips. “When shopping for a vehicle you have to look for safety as opposed to sexy,” advises Peter Moraga, a spokesperson for the Insurance Information Network. “A safer car is not only going to save your life, it’s also going to lower your insurance rates.”

The top vehicles ranged from $1,179 to $1,241 a year for insurance coverage for a 40-year-old driver with a clean driving record and a 12-mile commute to work. The top 10 autos include:

• Chevrolet Equinox four door, four wheel drive vehicles
• Honda Odyssey vans
• Chrysler Town & Country LX
• Honda Element LX
• Four-cylinder Mercury Mariner with 4-wheel-drive
• Four-cylinder Toyota Sienna
• Four-wheel-drive Mazda Tribute
• Ford Escape vans
• Chevrolet Traverse SUVs, both two wheel drive and four wheel drive models
• Jeep Wrangler Sport and Unlimited Sport models

Safety equipment can also help decrease Florida car insurance premiums. Electronic stability control, airbags, and backup detection devices are features that drive costs lower. But if you aren’t a fan of these vehicles and gravitate to the opposite side of the auto spectrum, beware of auto insurance costs that range two to three times more.

For drivers that can’t live without a new Mercedes, Jaguar, BMW, Porsche or Aston Martin, high car insurance premiums are a given. “Any vehicle that would cause a teenage boy to stop and gawk would likely cost a pretty penny to insure,” says Russ Rader, a spokesperson for the Insurance Institute for Highway Safety. “Many of the vehicles at the top of the list cost as much as a small house to buy, and that means they’re costly to fix.” Even with an immaculate driving history, these vehicles are such powerful, fast machines that a single part in need of repair can equal the total cost of one of the top 10 autos.

In Florida, AGIC Insurance, Inc. will help an individual review average annual premiums as they are car shopping. They are known for affordable auto insurance and working with a driver to set up a payment plan that meets their budget. To learn more about getting a Florida auto insurance quote, click on or call 1-877-854-0123. AGIC representatives will take the time to explain vehicle damage coverage as well as liability, medical, and uninsured motorist coverage so every client has a full understanding that they are getting quality insurance at a great value.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit

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