5 Cars That Are Difficult To Insure.

Advice Regards 5 cars that are difficult to insure.

When thinking about car insurance, most people understand that high-end sports cars may be difficult to insure.

Perhaps surprisingly, some more prosaic cars are also hard to buy insurance for. 5 Cars That Are Difficult To Insure are mentioned here, along with the reasons for insurance difficulties.

  • The Dodge Charger may be popular as a police car, but that legal endorsement does not make it easier to insure. With much worse than average results in five out of the six categories insurance companies use to calculate loss, the Charger is not easy to insure. The standard V6 model might seem easier to insure than the HEMI model with a 5.7 liter V8. The opposite is true. The HEMI model is easier to insure, proving that more than engine sizes go into calculating insurance coverage.
  • The Scion TC, which is popular with young drivers, has the worst possible rating for all coverages in terms of loss risk. The TC is expensive and difficult to insure for any driver, but for young drivers insurance may be prohibitively expensive.
  • Chevrolet’s Cobalt Coupe has some serious problems. The Insurance Institute for Highway Safety rates the Chevrolet Cobalt poor after testing for side-impact crash tests. A 2007 recall of 98,000 Cobalts that failed to meet federal safety standards for trim padding also increased the difficulty of insuring the Cobalt. Insurance companies consider the Cobalt a high risk for bodily injury liability and medical coverage. As a result, the Cobalt is harder to insure than other cars in its class, such as the Honda Civic.
  • The Mitsubishi Lancer is a popular rally car, and many drivers love this small four-door car. However, the Lancer has higher collision losses than the much more expensive and trendier Porsche 911 Turbo. These losses, combined with a record of poor ratings for side impact crash tests, make the Lancer very difficult to insure.
  • Rounding up this list is the Suzuki SX4. This crossover, the cheapest all wheel drive car on the U.S. market, is very difficult to insure for a variety of reasons. When the premiums are added to the cost of the car, it may not seem like such a bargain. The SX4 has high collision losses. The crash test results are fairly good for a car this size, but the SX4 has high personal injury and bodily injury liablility losses. With the good test results, the losses suggest that SX4 drivers as a class may be less than careful drivers. Whatever the reason, the SX4 carries a high insurance premium.

Owners of these cars already know about the specialist auto insurance premiums.

Prospective owners of 5 cars that are difficult to insure will undoubtedly be glad to know.

Miles Walker is a freelance writer and blogger who usually looks at the best car insurance over at CarinsuranceComparison.Org.

His most recent review looked at the best Connecticut car insurance.

Be Sociable, Share!

Leave a Reply

Wordpress SEO Plugin by SEOPressor