For example, two door cars are much likely to be stolen than their four door peers. A convertible Chevrolet Corvette has a theft rate five times higher than that of a Buick LeSabre. And Toyota Celica is 67% more likely to be stolen than her sister Toyota Camry.

Another primary factor determining the cost of insuring your car is safety of those who are inside when the car crashes. Some cars will leave the passengers intact, while others have frightening lethal rates even with non-devastating collisions. So if you want to keep your life and pay lower insurance premiums, you should definitely check out the crash test ratings and see if your dream car fits into the “safe” category.

The same should be done with car theft rates. Every year these lists change, because newer and more exclusive cars tend to become the target of car thieves more often than older models. However, some car models keep on appearing in top theft lists, contributing to their “popularity” and high insurance rates respectively. These cars are:

• Toyota Camry
• Toyota Corolla
• Toyota Pickups
• Honda Accord
• Ford F-150
• Acura Integra
• Nissan Sentra

Another factor that may raise your insurance rates is how much a single theft claim costs according to the car stolen. This variable is determined by how often such claims are filed and how much the car costs. Currently the most expensive theft claims are filed on the following cars:

• Cadillac Escalade
• Chevrolet Corvette Convertible
• Lincoln Navigator

Respectively the lowest theft claims come with the following vehicles:

• Buick LeSabre
• Volvo V70 Station Wagon
• Mercury Grand Marquis 4-four

In what concerns injury claims and passenger safety, the rule of thumb here is the bigger the car, the safer it is. Vehicles with a smaller mass tend to get damage more in accidents, and the same applies to faster sports cars. Thus the rating of the most expensive vehicles in terms of injury claims:

• Suzuki Esteem 4-door
• Kia Rio 4-door
• Mitsubishi Mirage 2-door
• Kia Spectra 4-doors

While the cars with cheap car insurance due to low injury claims are:

• GMC Sierra 2500
• GMC Yukon XL 1500 4-wheel
• Chevrolet Silverado
• Chevrolet Tahoe 2-wheel

So it is better to investigate your cheap car insurance options before actually buying the car you were dreaming about. Because in reality it may turn into a real nightmare, with costly insurance premiums, high repair costs and the risk of being stolen the other day you actually buy it.

Get the best price you can find

There are many insurance companies on the market theses days, and each company tends to define a high risk driver from its own perspective and price him or her respectively. What does this mean to you? Simply shop around between different companies and see what they have to offer to high risk drivers. Some will have higher rates, some will have lower, some will refuse you in general, not willing to take such a risk. Just don’t think that if you’re paying high premiums right now, all other companies will charge you the same.

Find high risk insurance providers

Sometimes you may find an insurance company unwilling to over you because of your high risk status. They just don’t find it safe to take such expenses upon them, and it’s fairly understandable. However, there’s the opposite of such companies – insurance providers that specialize in the high risk category. Such companies usually offer more competitive rates and won’t be picky with their customers.

Comparing quotes is a must

With so many sites offering free online auto insurance quotes these days it is simply a crime not using them for comparison shopping. With these sites you can easily find the perfect solution in your area and compare different offers from different companies. You can also compare different situations, like if you would have another car to insure, or two cars. It’s just like speaking to an insurance agent only much faster and effectively.

Become a better driver

Being a high risk driver usually means that you had traffic violations or accidents on your driving record. A good way to improve this situation is enroll in a driving courses or school. Learn the basics of defensive driving and make sure to get certified, as your insurance company will use this as a proof of your improved risk rating and will lower your rates. But first make sure to learn what schools and courses are accepted by your insurance provider.

Opt for possible discounts

Though it is hard to find a discount for a high risk driver, there are still possibilities in this direction. You can improve the safety of your vehicle by installing anti-theft and safety features such as anti-lock brakes, alarm systems, additional seat belts and air bags, and others. Ask your insurance provider what you can hope for with such features. You can also get a discount if you don’t drive much. Most insurance companies have a special low mileage discounts for drivers who don’t exceed 10,000 mile per year. Make sure to check these options when looking for auto insurance quotes too.