Considerations

The overall cost of an auto-insurance premium depends on several inputs, such as education, where you live and driving history, reports CarJunky.com. The type of car you drive is just one, albeit important, aspect the insurance company considers.

Identification

When looking for a car that has the least impact on your insurance rate, choose one with less "flash," has plenty of safety features and low maintenance. Cars that get noticed have higher incidences of theft, and safety features reduce the likelihood of an accident and the impact of a crash, reports Insure.com.

Function

In 2009, the Hyundai Santa Fe had the cheapest average insurance rate, according to MSN Money Central.

Expert Insight

It takes up to five years before companies know the safety and what type of driver a car attracts, reports MSN Money Central. Insurance rates on new cars are almost always based on the car's specification. New, more moderate and safer cars will have the lowest rates.

Tips

MSN Money Central recommends that people take an in-depth look at their car before buying. The Mercedes "Smart Fourtwo" is very small, which would make one assume that it is not very safe, and thus more expensive to insure, but it actually attracts older, safer drivers as well as being relatively easy to repair, making it cheap to insure.

Source:

CarJunky.com: The Most Expensive Cars To Insure

Insure.com

MSN Money Central