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Higher purchase prices also mean higher replacement costs in the event of a claim. Insurance rates are directly affected by the replacement cost of the car. Used cars are less expensive to purchase and usually cheaper to insure, but if the used car is rare, the insurance rate could be higher.
Vehicles with airbags, roll bars, crash bars, and automatic seatbelts will be less expensive to insure. Structural reinforcement features also decrease the damage the vehicle sustains in a crash, which lowers repair costs.
Read the “Insurance Losses by Make and Model” summary sheet information for each car that might be of interest. These info sheets are created for a range of model years and provide the potential buyer insight about cars ratings for injury, accident, and theft.