How much you pay for auto insurance depends on several factors, including your age, where you live, and what you drive. You can't do anything about your age, and few people will move just to lower their insurance premium. You can, however, choose a vehicle that costs less to insure.
full story with listings at...http://auto.consumerguide.com/auto/editorial/advice/index.cfm/act/insureWhy Some Cars Cost More
You may want a sports car, but your insurance company may want more to protect you in it.
Insurance premiums are based partly on the price of the vehicle, which affects the replacement cost if it is stolen or "totaled" in an accident. How expensive the vehicle is to repair--including parts and labor--can also affect the cost. In addition, surcharges may apply to vehicles that are frequently stolen or involved in accidents.
Industry-wide information on injury claims, collision repair costs, and theft rates by vehicle is available from the Highway Loss Data Institute (HLDI), 1005 North Glebe Road, Arlington, VA 22201 (www.carsafety.org
). According to HLDI, the lowest injury claims are from large vehicles--cars, pickup trucks, and sport-utility vehicles. Small 2- and 4-door cars have the highest injury claims, and small cars also are among the highest in collision costs, along with sports cars. If you have your heart set on a sporty vehicle, you'll probably pay dearly; insuring a high-performance car can cost two or three times the amount for an ordinary model.
Sport-utility vehicles, the hottest market segment, tend to have higher insurance rates than mid- and full-size cars. SUVs are "hot" for other reasons: They are now among the most frequently stolen vehicles, and they are more expensive than most cars. SUVs also can cost more to fix after an accident if the 4-wheel-drive system is damaged.
However, insurance companies set rates based on their own experience. If Company A has more collision and theft claims for a particular vehicle than Company B, then A will charge more for the same coverage. It all boils down to a company's actual experience with a particular vehicle or category of drivers. That is why it pays to shop for insurance.
full story with listings at...http://auto.consumerguide.com/auto/editorial/advice/index.cfm/act/insure
...PDI (Physical Damage Index) is for collision and comprehensive premiums.
"A" means the vehicle will be charged lower-than-standard premiums for this coverage
"B" equals standard premiums
"C" equals higher-than-standard premiums.
These premiums can be 10% to 45% higher or lower depending on a vehicle's rating.
MAKE / MODEL / VSD% / PDI