Before grabbing your favorite Chevrolet Corvette or Toyota Celica, think twice. The insurance companies are not very keen in possessing these cars.  The cost, the make and the style of your car - all these are matters of serious concerns to the insurance companies. Let us analyze the factors that determine the insurance coverage for various cars.

Cars that have four doors come with less theft insurance claims than those with two doors. This is simply because the safety threats are higher in the two-door coupe such as the Toyota Celica or the convertible Chevrolet Corvette. The Highway Loss Data Institute's finding reveals that the four-door cars have 93% less chances of theft; thus the Toyota Camry scores higher in terms of the insurance value.

Other popular cars that are among the most expensive for theft claims include the Cadillac Escalade, Lincoln Navigator, Jeep Cherokee and the like. The least expensive vehicles in this category are Buick LeSabre, Buick Park Avenue, Volvo V70 Station Wagon, and Mercury Grand Marquis.

Why are the cost and the make of the cars concerns for the insurance companies? They analyze that the cost of repairing a Lexus IS 300 and the similar ones would be a serious affair. According to the Highway Loss Data Institute, the best picks of 2006 are the Ford Five Hundred, Mercury Montego, Audi A6, Hyundai Entourage, Kia Sedona, Honda Civic, Saab 9-2X, Subaru Impreza Saab 9-3, Subaru Legacy, Audi A3, Audi A4, BMW 3 series, Chevrolet Malibu, Lexus IS, and the Volkswagen Jetta , Rabbit and Passat.

Of course, the cars that ensure maximum safety from collision are the best rated by both insurance agencies and the public. The popular models that are the most expensive for collision claims include the Subaru Impreza WRX, Porsche 911 Coupe, Acura RSX, Lexus IS 300, etc.  The least expensive in this series would be Ford Excursion two-wheel drive, GMC Safari four-wheel drive, GMC Sierra 2500, etc.

Though it is not possible to alter your favorite choice, these facts will help you choose the best among your favorites.