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The site also offers a tool that allows you to find national or state average insurance rates for more than 750 cars.
For example, supposed experts compare average insurance rates under the new system, which will cover everyone, with the rates currently paid by a handful of young, healthy people for bare-bones insurance.
That does not mean higher average insurance rates.
Consider a Mazda Tribute or Dodge Caravan they have among the lowest average insurance rates in the country.
States like California and Louisiana capped pain and suffering damages in medical malpractice cases, resulting in lower average insurance rates and allowing medical centers to more easily recruit good doctors while the truly injured receive compensation for damages.
Average insurance rates rise and fall with accident, theft and damage reports in the surrounding area, the study explained.
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New Jersey drivers have paid the highest average car insurance rates in the nation since 1993, taking over the dubious distinction from Hawaii.
We evaluated five-year totals for fuel costs, maintenance, repairs, average national insurance rates, depreciation, interest, opportunity costs and taxes.
For users with cars, the app shows them average auto insurance rates in their area, so they can negotiate lower prices.
Behind the Numbers To identify them and the others on our list, we used Vincentric data to determine the total cost of ownership for each vehicle, including adjusted manufacturer suggested retail price and five-year totals for fuel costs, maintenance, repairs, average national insurance rates, depreciation, interest, opportunity costs and taxes.
Behind the Numbers To identify 2010′s most affordable vehicles for their segment, we used Vincentric data to determine the total cost of ownership for a vehicle, including five-year totals for fuel costs, maintenance, repairs, average national insurance rates, depreciation, interest, opportunity costs and taxes.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com