Least expensive luxury cars to insure
You have done well and are now in the car upgrade market. It's time to dump the rattle you've been driving in and buy yourself a car with premium options. How do you decide which car to drive? You…
You have done well and are now in the car upgrade market. It's time to dump the rattle you've been driving in and buy yourself a car with premium options.
How do you decide which car to drive? You want something with spirit when you hit the gas pedal, and more elegance when you enjoy the ride. In your future 7-series or maybe Mercedes-Benz SL-class? Well, maybe you're not quite there yet...
The budget is still under consideration. You are looking at premium models, but not necessarily at the top of the line. When you step into the luxury car class, there's more to consider than just the purchase price. You need to think about:
Operating costs. When you drive a premium car, your maintenance and service will also cost more. Higher quality parts are essential to keep your vehicle running. Belts, brakes, and even oils and fluids can cost several times what you would spend on an ordinary car.
depreciation. It goes without saying that the more expensive a car is, the more its value will decline with age. You don't want to spend your money buying a car that you don't plan on using for a long time.
Fuel costs. Some luxury vehicles require premium gasoline and ONLY premium gasoline. Some luxury cars gobble up gasoline. You'll want to find a vehicle that delivers great fuel economy, can use regular or premium gasoline, or a combination of the two.
insurance costs. The cost of your car insurance is one of the few variables that you can clearly be aware of before committing to a luxury car purchase and can be the difference between owning an affordable luxury car and a car that is out of your budget.
Luxury cars can be affordable
What you might not expect is that luxury car insurance can be quite competitive. In some cases, luxury cars are more affordable than a simple compact car, and the reasons are actually quite intuitive when you think about it.
Most luxury cars are owned by older, more mature drivers who are less likely to have an accident. This means fewer insurance premiums per vehicle class, which reduces the cost of insurance.
Luxury cars have better safety features than regular cars and as a result, they have fewer injuries in the event of an accident. Lower Medical Accident Costs Means Lower Insurance Premiums
There are more technological advances in luxury vehicles that help prevent accidents in the first place, such as lane keeping system, adaptive cruise control, and automatic emergency braking. This, firstly, reduces the number of accidents, again, reducing your insurance premiums.
The average luxury car owner lives in the best neighborhood and is more likely to park their luxury car in a garage, which reduces the incidence of vandalism, theft, hail or storm damage so insurance companies don't have to charge the same fee to insure these cars .
Some luxury cars have incredibly competitive insurance rates, and that's not just when compared to their own class. Some may have rates up to 20% lower than the model year average.
Top XNUMX luxury cars with the lowest insurance rates
1. Infiniti Q50
The Infiniti Q50 is a remarkably well-equipped sedan that will impress even the most discerning luxury car buyer. The Q-series sedan is a reinvention of the previous G37 sedan and uses a 2.0-horsepower 208-liter turbocharged engine and a seven-speed automatic transmission. The Q50 is available in both rear-wheel drive and all-wheel drive, although the luxurious interior deserves more attention.
Aluminum or wood accents accentuate the spacious interior, while plush leather wraps around the seats of higher-trim models. Every Q50 is equipped with a rearview camera, advanced airbags, ZONE body structure, Dynamic Vehicle Control and a range of blind spot and predictive control options available.
2. Buick Lacrosse Premium II
With Buick's new emphasis on business class, their vehicles are filled with elegance, functionality and enough performance to keep them competitive with the luxury class, which is exactly what you get with the Lacrosse Premium II. The V6 has a bouncy 304 horsepower to deliver an exciting ride, while the interior pampers the driver.
Bose premium sound, 8-way power leather seats, IntelliLink infotainment system, adaptive cruise control and a vibrating alert system built into the driver's seat elevate the Lacrosse Premium II into the luxury car category.
3. Accura TLH
An often overlooked brand in the luxury category, Acura offers competitively priced luxury vehicles with features found in cars tens of thousands of dollars more expensive. The TLX is a sports sedan with incredibly responsive engine and transmission options, and amazing amenities. Beyond the piercing look through the Jewel-Eye LED headlights, its recognizable Acura angles are sexy and sleek.
The Acura TLX has optional all-wheel drive, Lane Keeping Assist, Forward Collision Warning and Blind Spot Information Systems that keep drivers informed of their surroundings. A collision avoidance system and a rear cross-traffic monitor prevent accidents, while a full suite of airbags and safety features ensure a confident and safe ride.
4. Toyota Avalon Limited
Toyota's flagship model, the Avalon, gets even more luxurious with the Limited trim. Its gorgeous exterior is sleek yet aggressive and catches the eye as it drives by. The spacious interior is adorned with much higher quality materials than you'd expect from a Toyota more like a Lexus or Mercedes. The leather seats are plush and comfortable, but the real luxury features are in the tech category.
Safety Sense-P is a suite of safety options including pre-collision warning, lane departure warning and adaptive cruise control. The buttons are touch sensitive and the 6.1-inch infotainment display is crisp, bright and easy to use.
5. Lincoln MKZ
The stunning design of the Lincoln MKZ is just the beginning. Every aspect of the exterior is luxury, from the massive panoramic glass roof to the LED lighting. Inside, however, the MKZ gets really interesting, with fantastic layout and high quality materials that really solidify the MKZ in the luxury category. The sleek console omits the shifter, which is now a push-button design next to the world-class SYNC infotainment system. Chromium pieces are even more eye-catching.
The Lincoln MKZ has a suite of luxury safety features, including adaptive cruise control and forward collision warning, cross-traffic alert, and available smart all-wheel drive. The MKZ has heated and cooled front seats, a heated steering wheel and ambient LED lighting for a luxurious driving experience.
No matter which luxury car you choose, your insurance rates are also tied to your driving history. To keep your driving experience as clean as possible, obey the posted speed limits and follow the rules of the road (they exist for a reason!). In addition, many accidents can be avoided with regular repairs and maintenance. Whether you drive a Lincoln or Acura, Buick or Infiniti, replace worn brakes, blown headlights, and fix steering and suspension issues as they occur to get the most out of your vehicle.
