Read this before you buy your next car

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Are you considering buying a car this spring? I’m dreaming of a convertible, something small and preferably blue and low slung… The reality is that this type of car is just not a practical choice for me, there’s no room for the dogs and I wouldn’t be able to drive it through the snowy Hudson Valley winters. Some of us are practical about our cars, others look for performance, and others are all about style. There are cars and then there are CARS. Every car has a steering wheel, tires, seats, but not every car is the same to drive or insure.

According to insurancejournal.com the least expensive 2015 car model to insure is the Jeep Wrangler Spot 4WS two door. It carries an average premium of $1,134. The same publication also lists the most expensive 2015 model to insure, the Nissan GT-R Nismo (600 horsepower) carries a $3,574 average premium. When you purchase a car you really need to take the cost of your car insurance into account! There are 3 different Jeep models on the list of least expensive cars to insure, Ford and Honda each have two of their cars on the list as well. The Most expensive cars to insure list has three Mercedes models, Porsche and BMW each have two models listed.

Why does it cost less to insure the Nissan GT-R Nismo than the Jeep Wrangler Sport? The answer is simple, the Jeep Wrangler Sport is less expensive to repair or replace. The Nissan GT-R Nismo has a much higher replacement cost and the parts to replace it cost significantly more too. There are other reasons why different models cost more to insure-
– differences in safety features
– crash test ratings
– differences in horsepower

There are other factors that can cause your insurance rates to increase, a poor driving record, low credit scores, where you live, and on and on. Car insurance is not a “one size fits all” thing and it is important to make sure you have the correct amount of coverage, something you can’t count on when shopping for your car insurance online. The best way to ensure that you have the correct insurance coverage is to talk to an independent insurance agent. Hudson Valley Agents offers low cost NY insurance with many New York state based insurance companies. Shop local, eat local, and insure local at HVA!