.jpg "Car Insurance X-Factors – What Determines Your Rate?")
.jpg "Introduction")
.jpg "#20. 2009 Saturn Outlook")
.jpg "#19. 2009 Chevrolet Impala")
.jpg "#18. 2009 Dodge Grand Caravan")
.jpg "#17. 2009 Chevrolet HHR")
.jpg "#16. 2009 Subaru Forester")
.jpg "#15. 2009 Toyota Prius")
.jpg "#14. 2009 Ford Taurus")
.jpg "#13. 2009 Mercury Mariner")
.jpg "#12. 2009 Hyundai Santa Fe")
.jpg "#11. 2009 Mazda MAZDA5")
.jpg "#10. 2009 Ford Ranger")
.jpg "#9. 2009 Buick Lucerne")
.jpg "#8. 2009 Subaru Tribeca")
.jpg "#7. 2009 Kia Optima")
.jpg "#6. 2009 Ford Escape")
.jpg "#5. 2009 Chevrolet Equinox")
.jpg "#4. 2009 Kia Sportage")
.jpg "#3. 2009 Toyota Avalon")
.jpg "#2. 2009 Buick LaCrosse")
.jpg "#1. 2009 Mercury Grand Marquis")
.jpg "What the Data Shows")
.jpg "Save Money on Car Insurance")
Car Insurance X-Factors – What Determines Your Rate?
Car Insurance X-Factors – What Determines Your Rate?
There are many factors that determine car insurance rates, including gender, age, driving record, ZIP Code, annual mileage and, in most states, credit scores. The factor that often trumps them all, however, is the car you drive. Common sense holds that a more expensive vehicle will cost more to insure than a cheaper one, but it’s not always that simple. A vehicle’s safety rating, accident frequency and theft rate also play a major role in determining its insurance premium. With that in mind, we asked InsWeb.com to provide a short insight into why each of the vehicles on the top 20 list have such low premiums. As an added bonus, we've also included if there will be any major changes to these vehicles in 2010 that might affect insurance premiums, as all of the vehicles on this list are from the 2009 model year. With that, flip to the next page to see the top 20 cheapest cars to insure.