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Most and least expensive cars to insure

Wondering which cars are going to cost you the most in premiums and which might help you get a better insurance deal? The Highway Loss Data Institute evaluates the cost to insurance companies from theft, collision and injury claims associated with various models.

If you own a convertible Porsche Boxster, you'll likely do better on the theft portion of your coverage than if you own a four-door Dodge Stratus. Boxster owners face a lower than average chance of theft-related claims, while the odds with the Stratus are three times the norm.

And even though the 2002 Lexus IS 300 gets a "best pick" rating from the Insurance Institute for Highway Safety for its performance on crash tests, previous years' models of the same car are some of the most costly in terms of collision claims.

"One of the factors that comes into play there is the cost of repairing an expensive vehicle," says Russ Rader, with the Insurance Institute for Highway Safety.

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Here's a run down of how insurance companies could see your car, based on 2000-2002 HLDI data:

Models that are among the most expensive for theft claims include:
Cadillac Escalade four-wheel drive
Chevrolet Corvette Convertable
Lincoln Navigator four-wheel drive
Jeep Cherokee four-door
BMW 3 series Convertable

Models that are among the least expensive for theft claims include:
Buick LeSabre
Buick Park Avenue
Volvo V70 Station Wagon
Mercury Grand Marquis four-door

Models that are among the most expensive for injury claims include:
Suzuki Esteem four-door
Kia Rio four-door
Mitsubishi Mirage two-door
Kia Sepectra four-door

Models that are among the least expensive for injury claims include:
GMC Sierra 2500 two-wheel drive
Chevrolet Silverado 2500
GMC Yukon XL 1500 four-wheel drive
GMC Sierra 2500 four-wheel drive
Chevrolet Tahoe two-wheel drive

Models that are among the most expensive for collision claims include:
Subaru Impreza WRX four-wheel drive four-door
Lexus IS 300 four door
Hyundai Tiburon two-door
Porche 911 Coupe
Acura RSX

Models that are among the least expensive for collision claims include:
Ford Excursion two-wheel drive
GMC Safari four-wheel drive
GMC Sierra 2500
GMC Yukon XL 1500 four-wheel drive

Source: The Highway Loss Data Institute

Dana Dratch is a freelance writer based in Atlanta.
Amy C. Fleitas contributed to this story.

-- Updated: Oct. 24, 2003

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