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What Cars Are Cheaper To Insure?

Used car at USA1


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What Cars Are Cheaper To Insure?

Suppose you currently own an old sports car thatís on the tail end of its lifespan. In this case, you are likely paying a significant amount of money to keep this car insured. With it being a sports car, it poses more risk, and old age means more maintenance problems. Since more risk means higher insurance rates, youíre probably paying much more than youíd like for your insurance.

Even if you havenít had this experience of paying a lot for insurance, itís probably something you want to avoid. Therefore, you should strive to find the cheapest cars to insure while looking for cars for sale in Elkhart or anywhere else, which will depend on several factors. As a certified Elkhart, Indiana used car dealership, we at USA-1 have a good understanding of which vehicles have the lowest interest rates. Hence, we want to assist you by informing you about the cheapest used cars for sale to insure and the factors that affect insurance rates.

1. How You Affect Insurance Rates

When looking for used cars for sale with lower interest rates, you should first understand that there are several personal factors that can influence an insurance rate. Because of this, insurance rates will vary from person to person. You can view some of the most significant factors below:

  • Age
  • State of Residence/Zip Code
  • Previous Violations
  • Yearly Mileage Estimate
  • Driving Record
  • Credit History
  • Gender
  • Marital Status

2. Insurance Rates By Safety Ratings

Whether you are shopping for cars for sale in Elkhart, or anywhere else, something you may notice about insurance rates is that they vary depending on a vehicleís safety ratings. With this being said, you should aim to find something with good safety if you want lower rates on your insurance. It should also be noted that not all vehicles with high safety ratings have low insurance rates. In many cases, this is because another factor may pose more risk, such as a high theft rate.

3. Trim Levels And Insurance Rates

While looking at cars for sale in Elkhart, or anywhere else, you will likely want to decide between several different trim levels. However, when it comes to trim, you should choose wisely because trim levels also have an impact on insurance rates. For example, if you want to make performance or tech upgrades, those upgrades will cost more to repair and maintain. Typically, this higher cost will in turn mean higher interest rates. Therefore, you should weigh your priorities before choosing to make upgrades. If you browse USA-1ís large stock of used cars near Elkhart, IN, our experts can help you to choose from our wide range of trim options.

4. Most Popular Cheap Cars To Insure

At this point, youíre probably wondering exactly which used cars for sale are the cheapest to insure. Because of their safety and maintenance costs, the list is primarily comprised of used SUVs and used trucks for sale. Below, you can see the list of the top ten vehicles to insure according to nerdwallet.com:

  • Subaru Outback
  • Subaru Forester
  • Honda CR-V
  • Jeep Wrangler
  • Hyundai Tucson
  • Mazda CX-5
  • Ford Escape
  • Honda Pilot
  • Chevrolet Equinox
  • Ford F-150

5. Cars To Avoid

During your visit to USA-1ís used car lot in Elkhart, Indiana, or any dealership near you, you should also note the vehicles to avoid when looking for low insurance rates. There are several factors that make these vehicles a risk to insurers, such as higher repair costs, theft rates, and accident rates. With this being said, you can take a look below to see the vehicles with the highest interest rates:

  • Sports Cars
  • High-End Luxury Cars
  • Electric Cars
  • Cars Most Target by Thieves

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Exterior: 
Brown
Interior: 
Jet Black 
Mileage:
41,540
Engine:
4cyl, 1.5L, 160.0hp
Model #: 
1ZD69
VIN:
1G1ZD5ST5JF112087
Stock #:
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Exterior: 
Silver
Interior: 
Charcoal Black Leather
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42,574
Engine:
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Interior: 
Charcoal Black 
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Model #: 
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VIN:
1FMCU9GD9HUA89503
Stock #:
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$16,900
Exterior: 
Black
Interior: 
Jet Black 
Mileage:
46,993
Engine:
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Model #: 
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VIN:
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In Need of Dealer Direct Financing in Elkhart ? Then Stock# 107167 a 2020 Chevrolet Malibu LS is ready to go with only 46,993 Miles, along with a Black Exterior and a Jet Black Fabric Interior.Some of the Malibu more desirable features include Turbocharged Engine, Onboard Hands-Free Communications...   Read More
Exterior: 
White
Interior: 
Black 
Mileage:
51,689
Engine:
6cyl, 3.6L, 285.0hp
Cab Type: 
Convertible
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JLJP74
VIN:
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Gray
Interior: 
Black 
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52,350
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WDEL75
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Interior: 
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40,728
Engine:
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Exterior: 
White
Interior: 
Light Neutral Leather
Mileage:
25,015
Engine:
4cyl, 2.5L, 197.0hp
Model #: 
4XZ26
VIN:
LRBFX2SA1KD144545
Stock #:
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$24,900
Exterior: 
Gray
Interior: 
Black Leather
Mileage:
50,241
Engine:
6cyl, 3.2L, 271.0hp
Model #: 
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1C4PJMDX3KD309385
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Exterior: 
Gray
Interior: 
Jet Black 
Mileage:
80,353
Engine:
6cyl, 3.6L, 335.0hp
Model #: 
1AG37
VIN:
1G1FB1RS5H0207809
Stock #:
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Exterior: 
Silver
Interior: 
Ebony 
Mileage:
62,237
Engine:
6cyl, 3.5L, 365.0hp
Model #: 
K1J
VIN:
1FMJK1JTXHEA75358
Stock #:
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Internet Price:  
$19,900
Exterior: 
Gray
Interior: 
Black 
Mileage:
41,834
Engine:
4cyl, 2.4L, 173.0hp
Model #: 
JCDE49
VIN:
3C4PDCBB5KT856970
Stock #:
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$15,900
Exterior: 
Gray
Interior: 
Black 
Mileage:
29,734
Engine:
6cyl, 3.6L, 293.0hp
Model #: 
WDEL75
VIN:
1C4RDJAG9KC798965
Stock #:
798965
Internet Price:  
$24,900
Exterior: 
Gray
Interior: 
Jet Black with Jet Black Accen Leather
Mileage:
11,483
Engine:
4cyl, 2.0L, 265.0hp
Model #: 
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VIN:
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Stock #:
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Exterior: 
Black
Interior: 
Black 
Mileage:
17,995
Engine:
6cyl, 3.6L, 293.0hp
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WKJH74
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1C4RJFAG2LC313539
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Exterior: 
Black
Interior: 
Medium Earth Gray 
Mileage:
80,559
Engine:
6cyl, 2.7L, 325.0hp
Cab Type: 
Extended Cab Pickup
Model #: 
X1E
VIN:
1FTEX1EP4GFB65389
Stock #:
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$19,900
Exterior: 
Silver
Interior: 
Medium Earth Gray 
Mileage:
36,960
Engine:
6cyl, 2.7L, 325.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
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1FTEW1EP6JFA40078
Stock #:
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Exterior: 
Blue
Interior: 
Black Leather
Mileage:
24,208
Engine:
4cyl, 2.5L, 186.0hp
Model #: 
C30PRXA
VIN:
3MVDMBEM2LM139608
Stock #:
139608
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$24,900
Exterior: 
Black
Interior: 
Graphite 
Mileage:
28,496
Engine:
6cyl, 3.5L, 260.0hp
Model #: 
23010
VIN:
5N1AZ2AS8LN126793
Stock #:
126793
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$24,900
Exterior: 
Blue
Interior: 
Gray 
Mileage:
36,418
Engine:
4cyl, 2.0L, 152.0hp
Model #: 
LRB
VIN:
JF2GTABC1L8230236
Stock #:
230236
Internet Price:  
$22,900
Exterior: 
Blue
Interior: 
Gray 
Mileage:
45,268
Engine:
4cyl, 2.0L, 152.0hp
Model #: 
JRD
VIN:
JF2GTABC9JH306931
Stock #:
306931
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$19,900
Exterior: 
Silver
Interior: 
Sport 
Mileage:
14,107
Engine:
4cyl, 2.5L, 182.0hp
Model #: 
13210
VIN:
1N4BL4CW5LC132767
Stock #:
132767
Internet Price:  
$24,900
Exterior: 
Blue
Interior: 
Medium Light Stone 
Mileage:
41,951
Engine:
4cyl, 1.5L, 179.0hp
Model #: 
U9G
VIN:
1FMCU9GD8KUB60441
Stock #:
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$19,900
Exterior: 
Green
Interior: 
Dark Earth Gray 
Mileage:
71,937
Engine:
6cyl, 3.5L, 282.0hp
Cab Type: 
Regular Cab Pickup
Model #: 
F1E
VIN:
1FTMF1E82GKF14550
Stock #:
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Internet Price:  
$17,900
Exterior: 
Red
Interior: 
Satin Black 
Mileage:
24,371
Engine:
4cyl, 2.4L, 185.0hp
Model #: 
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VIN:
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Stock #:
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Internet Price:  
$19,900
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