Why A Big Chevy Is Cheaper To Insure Than A Tiny Civic

ByValik Rudd

When you first think about it, something as small as a Honda Civic should be pretty cheap to insure. Well, in comparison with something huge like a extended-cab Chevy pickup anyway. The reality is actually quite different and the big pickup will be the more affordable of the two. Yes, the half-ton monster of the road is more affordable to insure than a tiny almost-two-seater Civic. I couldn't believe it my self.

The car insurance companies have their own algorithms for determining their insurance rates, and some are more mysterious than others. This part however is not that mysterious. Let me explain, one of the biggest things that affects the car insurance rate is the driver's risk factor. This risk factor includes the type of car that is being insured in addition to probably hundreds of other things that have to do with the driver and probably his grandmother. In this article I want to discuss the car, because I was shocked when I found out that this huge Chevy is cheaper to insure than a small car like a Civic. So after doing a bit of looking around it was obvious why it is the way it is.

If you think about it, what type of person drives a Honda Civic? Probably a young male, maybe a college student. This is just me speculating here but it makes sense to me. Now, a young guy like that will be pretty likely to speed, to not wear a seat belt, run a red light and other risky things, and chances are he'd be doing all of the above all at the same time.

Now think about a half-ton extended-cab Chevy pickup... It is more expensive to buy and takes more money to fuel. A driver of something like that would most likely be someone a little older and probably more mature. This type of person would be less likely to do less-than-wise things on the roads and because of this exact fact, this type of person, or a person driving this type of car, will have a lower risk factor, which in turn makes the car insurance cheaper.

The top 10 cheapest cars to insure list for this year do not include even one sedan or a coupe. All 10 are either SUV's, Pickups or Vans. Bigger and less sportier car, statistically, means safer driver.

So the takeaway from this is that if you like to save money, buy a bigger, not as sporty type of car. A van, an SUV or a pickup, to be more specific. Some crossover types of cars also made it on the top-20 list, so those may be good candidates too.

Valik Rudd writes about car insurance for his website and other Internet publications. This article was about the types of cars that help saving money on car insurance and Valik has put together a top 10 cheap cars to insure list on his website which you can see at http://CheapInsuranceList.com

Article Source:http://EzineArticles.com/?expert=Valik_Rudd

Did you find this article helpful?00Get Involved0 commentsSuggest a topicArticle ToolsPrint this articleE-mail to a friendEzinePublisherReport this articleCite this articleStay InformedGet notified by email when new articles are added to this category or written by this author.Subscribe to New Article Alerts:

Insurance: Car-Auto
Valik Rudd

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchRecent ArticlesAuto Insurance - Describing Insurance BenefitsGirly Men Save On Car InsuranceGap Insurance - To Defer or Not to Defer, That Is the QuestionAffordable Car Insurance for Teen DriversBenefits of Short Term Car InsuranceSaving Money on Car Insurance TipsCar Insurance - What You Need to Know About ItMerits Of Car InsuranceCar Insurance Advice That Is Proven BeneficialThe Hidden Costs of Car InsuranceSubmitted On February 27, 2012. Viewed 0 times. Word count: 447.

MLA Style Citation:
Rudd, Valik".".27 Feb. 2012EzineArticles.com.2 Mar. 2012 .APA Style Citation:
Rudd, V. (2012, February 27). . Retrieved March 2, 2012, from http://ezinearticles.com/?Why-­A-­Big-­Chevy-­Is-­Cheaper-­To-­Insure-­Than-­A-­Tiny-­Civic&id=6907970Chicago Style Citation:
Rudd, Valik "." EzineArticles.com. http://ezinearticles.com/?Why-­A-­Big-­Chevy-­Is-­Cheaper-­To-­Insure-­Than-­A-­Tiny-­Civic&id=6907970EzineArticles.com© 2012 EzineArticles.com
All Rights Reserved Worldwide

About UsFAQContact UsMember BenefitsPrivacy PolicyShopSite MapBlogTrainingVideo ArchiveAdvertisingAffiliatesCartoonsAuthorsSubmit ArticlesMembers LoginPremium MembershipExpert AuthorsEndorsementsEditorial GuidelinesTerms of ServicePublishersFollow UsTerms Of ServiceEzines / Email AlertsManage SubscriptionsEzineArticles RSS

View the Original article