Many insurers take into account what type of vehicle you drive in order to assess the value and how much it will be to repair the vehicle when assessing how low your car insurance quote can go.   Consumer Reports recently came out with the safest automobiles for 2010, which can aid you if you are in the search for a new automobile for you and your family.  

Any time you can reduce your risk on the road will increase your chances of finding low cost auto insurance.  By driving a safer vehicle, you will pose less of a risk to an insurer and therefore be rewarded with a lower premium rate.  It is important when looking for a vehicle to do your research so that you can make the most educated decision possible.  Be sure to find out how well the vehicle tested with crash tests and its safety record when it comes to braking capacity and accident avoidance characteristics.

Statistically speaking, four door sedans are much safer than their two-door flashy sports car counterparts.  The sports car may look great in the showroom window, but know that you will be paying a lot more out of pocket when it comes to trying to find your low cost auto insurance quote.  Insurers are well aware of accident statistics that show that sports cars are in accidents much more frequently than four door conservative sedans.  Be aware of this when you are looking for your next dream car.

Crash worthiness is another factor that comes into play with your premium price.  For instance, the safety of the passengers inside the vehicle plays a role in how low your auto insurance rate will be.  Generally speaking, passengers are much safer in a vehicle that has more mass and is much heavier than in a smaller vehicle that is going to feel the impact more if collided with due to being smaller and lighter.

There are certain categories that crash tests take into account.  One is the rollover risk that tends to be found mainly in SUVs due to their height and size when making a sharp turn.  Be conscious of this rating if you have your heart set on an SUV for you or a loved one in your family.

Rear crash protection and head restraint ratings focus on how protected a passenger is when hit from behind and how the head and seat restraints hold up when it comes to a whiplash injury.  Be sure to find out how your vehicle held up in this test before purchasing your new car.

Side crash tests predict how protected you are when you are hit in the side by an oncoming vehicle, mainly SUVs and pick-up trucks.  This is to ensure how safe the passengers are if blindsided by a large vehicle when you are on the road.

Finally, government regulators hold 40 mph frontal offset crash tests to determine the structure of a vehicle and how well it will hold up in the case of an automobile accident.  How your vehicle fares in all these testing procedures will determine how low your car insurance rate will be.  The better your automobile tests in these procedures the more likely it will be that your premium rate will be lower.

Remember, when you are looking to find low cost car insurance, please be wary that you do not risk safety in order to shave off a few dollars.  Know what types of vehicles test safest on the road, in order to keep you and your family protected when getting behind the wheel of your car.  

By driving carefully and obeying all traffic signs, you can reduce the risk of accidents you may have significantly.  However, the type of car you drive plays a big part in how well you will be protected in the unfortunate event that you do have an accident.  You can only control so much when you are on the road and have to factor in other drivers when you get behind the wheel of your car.  Make sure you stack the odds by being safe yourself when driving, but also making a wise choice when choosing what you will be driving in.  Please, take your time and respect others when you are on the road.