Cars That Cost Less To Insure In Killeen TX

The annual premium that you need to pay for your car insurance is determined by a lot more than your driving record or the amount of coverage you opt for. A key factor that goes into deciding how much your auto insurance will cost is the car model you choose to drive. The major factors that determine the insurance cost for a particular car in Killeen TX are-

• Frequency of crashes for the model
• Frequency of getting stolen for the model e.g. a sports car with a convertible soft-top that offers easier entry is more likely to be stolen, than say, a sedan with an alarm system. Similarly, the overall desirability of a car, and the value of its parts are also determining factors in it being targeted by thieves.
• Cost of bodily injury claims to insurer. Cars that offer high safety to passengers driving in them have lower insurance costs.
• Total cost in case of complete car crash
• Average cost of repairs. High-end models with expensive spare-parts understandably have higher insurance costs.
• Sports cars are considered to be more prone to accidents, due to the drivers of these cars having a tendency to over-speed, making this an expensive choice from the point of view of insurance costs.

Based on these factors, the models that are cheapest to insure include-

• Older models- these cars are typically preferred by insurance companies in Killeen TX, owing to the lower risk of their drivers over-speeding.
• Cars with advanced factory-approved safety features, e.g. airbags (front, passenger, and side), factory-installed alarms, car-thief detectors, fuel tank cut-offs, etc.
• Sedans, mini-vans, and other utility vehicles.
• Cars with smaller motors. A low horsepower engine means a lower risk of over-speeding, hence lower insurance costs.a

These tips can help you to choose a car model that strikes a perfect balance between low insurance costs and the specifications you are looking for-

• You can use average insurance cost tools available online to determine the insurance premium for a particular model that you might be considering.
• Once you have narrowed down your choice to two to three vehicles, it is a good idea to consult your insurance provider regarding the insurance charges for these specific models. While it might not be advisable to choose a car solely based on these criteria, it can help to decide a tie.

For cheap insurance in Killeen, Copperas Cove, Gatesville, Austin and Temple TX, call Shawn Camp Insurance at (800) 212-2641.