People buy cars based on how expensive or how cheap they are but they never factor in what it will cost to keep the car on the road but since we're talking about insurance we'll stick to that. Insurance companies will calculate the premiums you pay based on the damages you car will inflict in case of an accident. That means if your vehicle will inflict more damage then you'll have to pay more. So how do you avoid all that? Simple. Buy a low-priced safe car and it will save you a lot of $$$$.