Car Insurance Basics

The cost of car insurance varies a great deal based on many factors. Some of these factors include the type of vehicle you drive, the location where you reside, your age your driving habits and your driving record.

Next to your car payment or depreciation costs and fuel costs car insurance is the most expensive item involved in owning and operation a motor vehicle. As of the time of this writing car insurance premiums are averaging almost $900 a year. That's up 27% since the year 2000.

Certain options such as a larger engine or a higher trim level can increase the cost of car insurance over that of the same model vehicle that is more sparsely equipped.

Before you commit to buying a vehicle you definitely want to get a quote on insurance costs. You don't want any unpleasant surprises after you've signed on the dotted line! In many cases you can simply call your insurance provider or agent during regular business hours for a quote. You can also visit Car Insurance Tips on my website for free price quotes 24 hours a day.

Of the top 20 most popular vehicles a leading insurer has compiled a list of the least expensive and the most expensive vehicles to insure:

The Least Expensive to Insure: Chrysler Town & Country; Chevy Cobalt; Dodge Caravan; Chevy Impala; Ford Taurus

The Most Expensive to Insure: Chevy Silverado pickup; Honda Civic; Ford Explorer; Dodge Ram pickup; Ford F-series pickup

Remember, car insurance costs can also vary from one insurance carrier to another, so get some free price quotes from several different companies in order to find the best deal for your particular situation.