Do you take into considerations the cost of insurance before you purchase your dream car? Yes of course, you should. The Highway Loss Data Institute determines the cost to insurance companies from collision and injury claims as they relate to cars. The color of the cars, and the number of doors are taken into consideration as well.

The Highway Loss Data Institute is a nonprofit public service organization. It is associated closely with the Insurance Institute for Highway Safety and this is supported by the car insurers. HLDI processes and publishes data on the variation of losses among different kinds of vehicles.

In relation to theft claim, 4- doors have a 93% less chance of having a claim than the 2-door car. If you buy a Buick LeSabre, you will have a relatively no chance of a theft loss and if you compare that to the convertible Chevrolet Corvette , it has 5 times the average of theft rate. Are you also aware that the Toyota Celica has a 67% higher chance of theft than the Toyota Camry?

The 2002 Lexus IS 300 gets a “best pick” rating for its crash tests performance according to the Insurance Institute for Highway Safety , but in previous years , models of the same car has the most costly claims. One of the reason for this is because expensive cars is costly in terms of repairs and replacement.

Models that are among the most expensive for theft claims include:

* Cadillac Escalade four-wheel drive
* Chevrolet Corvette Convertible
* Lincoln Navigator four-wheel drive
* Jeep Cherokee four-dorm 3 series

Remember that the most expensive cars are more costly to insure. So before you buy your dream car, you may want to consider these factors before deciding. Contact your insurance company to get more information on the cost on insuring your expensive cars.

Goodluck!

MariCAR