Jeff Johnson: I am looking for a car for my teenaged son. Can you give me any hints as to which would be the least expensive to be insured.

Response: When looking for teen auto insurance quote, first find out which are the least expensive vehicles to be insured since this is something you have control over. Every year, organizations like the Insurance Institute for Highway safety, and companies like Insure.com compile and analyze data from consumers and individual insurers around the country, in order to provide the public with information like which cars are cheapest to own, or safest to drive.

For 2009, the top five in the “least expensive cars to insure” list are all relatively inexpensive SUVs and minivans, and similar models round out the top ten (with the exception of a single SmartCar).This is based on important factor in the cost of insurance is the cost of likely repairs. Cars which are hybrids, with their new and extremely specific technology, cost more to repair than even the largest cars with traditional gasoline engines. The small cars, with their lack of crumple zones, are more likely to be declared total losses in the event of a crash. SUVs and Minivans, on the other hand, are built to survive rugged conditions and/or protect families. They’re pretty tough to destroy.

Here’s the list, with their average annual insurance The prices shown are US national averages:
Vehicle MSRP Average Cost of Insurance
Hyundai Santa Fe $21,695 $832
Kia Sportage $16,695 $840
Hyundai Entourage $23,395 $848
Kia Sedona $21,245 $857
Kia Rio5 $13,325 $870
Honda Odyssey $26,355 $871
Chrysler Town & Country $26,355 $871
Smart ForTwo $11,990 $881
Saturn Vue $23,380 $911
Mazda Tribute $19,730 $913

I have already given the list for the 2010 cars which were declared as safe models by the Insurance Institute and so you can go to that list. The average price of insurance will be comming quite shortly. This will give you an idea as to what car to buy, but shop around for cheap car insurance quotes.

Tony Robinns: Christmas is round the corner and my sons birthday is in December. I want him to buy a sports car – a Ford Mustang or a Ferrari or a Lamborghin. Someone was telling me that the teen auto insurance quotes for sports car is very high. Is it true and any tips would be appreciated.

Response: Tony, I am glad that you are thinking of gifting a sports car to your son. A Ferrari seems to be a handsome choice. Well, teen auto insurance quotes and car insurance rates are very high for any car. When you are gifting the sports car, I know that you are prepared for a high car insurance premium. This is a reality and no one can claim that they can get cheap rates with a combination of a teenager and a sports car since both are perceived as high risk by the auto insurance or car insurance companies.

Now without wasting much of your time, here are a few tips which can help you in getting a good auto insurance rate for the Ferrari.
1) Ensure that your son has a good credit rating and maintains this, since auto insurance rates are linked with credit.
2) Your teen’s driving record is very important. A clean driving record will go a long way in saving auto insurance premium even for sports cars. Talk to him and ask him to stay away from drunk driving, agreessive driving and distractions.
3) Shop around for the best insurance rates since a little bit of research will certainly go a long way. Each insurance company differs in their rating philosphy and so you can certainly find a good insurance quote by comparing the auto insurance quotes.
4) Review the auto insurance coverages and go for right car insurance coverages . The optimum limits and the optimum coverage should be the focus, since getting something good and befitting is the aim here.
5) Go for the speciality insurance companies since they offer better rates for higher risk.

I know your focus is getting the right auto insurance policy rather than cheap auto insurance policy and this will not be a big deal.
Enjoy your rides with your teenager! Have the thrill, speed and pleasure when the risk is passed on to the auto insurer.

Thanks.