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Shopping for auto insurance can be a bit confusing for an inexperienced customer. The large number of variables taken into account when a quote is calculated sure looks very complex. But it doesn't take a doctor in statistics or insurance pro to grasp the most important rules of auto insurance. In fact, there are simple yet very important things you should learn about insurance before even trying to insure your car. One of these things is the correlation between the type of car you're trying to insure and the approximate range of auto insurance quotes this particular type will garner. If you wonder why there's even a relation between these two aspects of insurance, here are some brief explanations on each car type from the insurance perspective:

Small cars
Despite the usual convenience and benefits of small cars, they are typically expensive to insure. This may seem strange, but once you learn the statistics the trend becomes more obvious. Small cars are mostly used in large urban areas with heavy traffic, thus the higher risk of having an accident. Besides, when a small car crashes the cost of repairing it is higher compared to a larger vehicle, since small cars have lower mass and tend to take more damage during the collision. So if you're looking for very low auto insurance quotes - this is not your car type.

Medium sized vehicles
Medium sized cars usually represent the golden middle of all the factors concerning auto insurance and driver convenience. They are typically cheap to repair, have good safety features, don't get stolen too often and produce fewer accidents. Of course, this doesn't concern all vehicles of this type as there can be significant differences across different makes and models. However, if you want affordable auto insurance, it's most possible to get with this car type.

Minivans and SUVs
Large vehicles offer a higher degree of safety and security when compared to smaller vehicles. However, they tend to produce more damage when ending up in a collision, which directly reflects in the average amount of third-party liability payouts by insurance companies. Thus, you will always get higher auto insurance quotes when trying to insure your truck or SUV.

Sports and performance vehicles
Sports and muscle cars can be surprisingly affordable if compared to other vehicle types. However, prepare to pay up for having extra horse powers under the hood since this vehicle type tends to be the most expensive in terms of insurance. Performance vehicles provoke a more aggressive driving style that often results in traffic accidents. Moreover, the damage produced in such accidents can be very severe since it is delivered with high speeds. Besides, fast cars often end up on the lists of car thieves. So you get a perfect combination for the most expensive car to insure.

Luxury and expensive cars
In case you are able to purchase a $100K+ vehicle, hunting for low auto insurance quotes shouldn't concern you. Nevertheless, it's not about the value of the car that renders expensive vehicles somewhat costly to insure. These are often very expensive at repair with scarce parts that are sometimes shipped directly from the producer. Besides, these cars represent a particular interest for thieves, especially in large urban areas. Still, if you shop around insuring such a vehicle can be rather affordable.

Collectibles
Classic and vintage vehicles stand in a league of their own when it comes to insurance. They often require special insurance to be purchased with strict limits on yearly mileage and rigorous requirements on their storage. Auto insurance rates may vary significantly depending on the car and the company you're quoting with.