To find the lowest auto insurance you should be getting quotes from several companies. To start doing this we recommend you to start getting them through this link.

If you own a vehicle, auto insurance is a necessity. Almost anyone would rather pay monthly premiums to an insurance company than risk the major financial disaster or an unanticipated accident. The most important factor to consider regarding auto insurance is how to get the cheapest coverage. The truth is that kind of vehicle you drive will have a direct impact on the amount of car insurance that you pay.

Although you may love your car, insuring it may become one of your largest expenses. The kind of car you drive can have a substantial impact on your premium, especially when it comes to comprehensive and collision coverage.

The lowest rates for collision and comprehensive coverage that are available to you can be easily determined by looking at your vehicle loss history. All you need to know is the cost of repairs or replacement following an accident and how often, if ever, has the vehicle been stolen. If you want to get the best value for your money, pick a car on this list of lowest insurance rates. The cars on this list offer an additional advantage in that they are generally safer, cost less in repairs, and are less likely to be stolen.

Everyone wants the best service and protection at reasonable price. You should research the internet for the rates of your vehicle, and see if there are any discounts. Then compare the lowest rates from various companies to insure you’re getting the best available policy for your specific needs. However, keep in mind the lowest rate doesn't always mean it's the best insurance for you. The best insurance means different things to different people.

For some people the best insurance is one with the lowest rate, other prefer a reliable company, while still others want the most complete coverage. It's all really a matter of what meets your needs. By researching many different options, you will get the opportunity to choose which one you want. Comparing may be time consuming, but it’s worth it in the end. After you've done your research, you can contact your auto insurance agent to gain even more information.

Although there are a number of factors that regulate insurance premiums such as the area in which you live, the number of accidents you’ve had, and how many miles you drive annually, the type of car you own also affects decisions insurers make about you.

Based on the data gathered by the Highway Loss Data Institute (HLDI), a list of the 10 vehicles of 1998-2000 models that have the lowest average injury and collection losses can be found on www.edmunds.com. Please be aware that loss rates are calculated differently. Injury loss rates are calculated based on claim frequencies filed under Personal Injury Protection, otherwise known as PIP policies. Collision loss rates on the other hand are calculated based on the average of lost payments per insured vehicle year. Although it isn't the deciding factor, one should still consider a low insurance loss rate as a major factor. Another noteworthy bit of information is that while results are represented for the current versions of these models, according to the HLDI; a significant redesign may also affect a vehicle's loss rate. As a result, we have noted where vehicles have been redesigned or replaced by a newer model since the year 2000.

Ten Vehicles with Lowest Insurance Loss Rates during 1998-2000 are:

• 1998, 1999 and 2000 Chevrolet Suburban
(4WD trucks had the lowest losses, while the 2WD models are way above average.)

• The Buick Lesabre years 1998, 1999 and 2000.

• 1998, 1999 and 2000 Ford F-250
(2WD trucks had the lowest losses, while 4WD models are still way above average).

• Silverado 2500 S model year 1999 and 2000.

• 1998, 1999 and 2000 Chevrolet C/K 2500 Series
(4WD models had the lowest losses, while 2WD trucks remained above average. Also, light-duty 2500s were redesigned for 1999 and renamed "Silverado", while heavy-duty 2500s carried over through 2000.)