Automotive Touch Up Paint Sprays and Brush-in-Caps, I-Match Paint #all #wheel #drive #cars

#touch up car paint

I want to touch up the paint on my car with touchup paint!

Don’t know where to start? It’s easy as 1, 2. 3!

First, you MUST know the color code of the vehicle in question! If you don’t know your code, it’s usually located in one of the plates attached to the vehicle chassis. We have compiled a list of many manufacturers and the usual location of the vehicle information plate.

Small scratch touchups and chips can be touched up with our 1 ounce brush-in-cap bottle of touchup paint.

Our small-size 12 ounce touchup paint spray can is suitable for areas up to 3 square feet

Our larger size 16 ounce color touchup paint spray can contains enough material to cover an average fender where minor touchup repairs have been made.

Note: All values are approximate.

Once you have acquired your automotive paint color code, you are ready to order your touchup paint!

Do you need primer or clear coat finish? You don’t need a an automotive color code for primer or clear coat finish products, just place an order!

View all our products or select from our categories towards the left of this page.

Why Choose I Match for my touchup paint?

Choose I Match to get factory match touch up paint used by professionals!

All I Match touchup paint is individually custom-mixed to the OEM specifications for your car. Whether it’s a one-ounce brush-in-cap bottle, a large or small touchup paint spray can — each order is formulated one at a time for a factory-match paint finish.

Automotive Research – Tips on Trading Your Vehicle – TADA Editorial #repo #cars

#trade in vehicle

Trillium Automobile Dealers Association

10 useful tips on trading in your vehicle

Sandy Liguori – Tada President 2011-2012

Nov 09, 2011

When car owners are in the market to buy a new vehicle, they usually want to sell their existing vehicle.

They can sell it privately, which requires some legwork, patience and risk, or they can trade it in to a new car dealership. A trade-in refers to any vehicle that a car buyer intends to sell to the dealership as part of a deal in acquiring another vehicle (new or used).

The benefits of a trade-in (as opposed to selling privately) are the efficiency and convenience of buying and selling at one location, where you may already have a relationship, and significant tax savings.

The actual sales process and completing a purchase can be handled quickly even within a couple of days. Many busy consumers like the idea of dropping off their older vehicle and choosing a new car at the same place.

The other benefit is the tax savings. The value of a trade-in is deducted from the selling price of the car you re buying. This reduces the taxable portion that must be paid on the new vehicle.

Let s say you want to buy a new car worth $40,000, and your trade-in is appraised at $20,000. That $20,000 is applied toward the price of the new car, effectively reducing the selling price to $20,000.

In this case, the customer would pay tax on $20,000 ($2,600), as opposed to $40,000 ($5,200), a savings of $2,600.

Another consideration when trading in a vehicle is price. Here are 10 useful tips to ensure that you get top dollar for your trade-in.

  1. Understand that a dealer will pay top dollar on a wholesale level, but not on a retail level. That s because there are costs incurred by the dealer on all trades, such as vehicle inspections, reconditioning, advertising and sales commissions.
  2. Study the market. Used vehicle websites will give you a fair approximation of the value of your car. Canadian Black Book ( is considered the industry benchmark for providing market values for cars, trucks and SUVs on the wholesale level.
  3. Be realistic. Optimal prices are based on vehicles in immaculate condition, and few vehicles meet that standard. Knowing the true market value of your vehicle will give you leverage when negotiating.
  4. Make the car presentable. Vacuum the floors and trunk, and remove any dirt and debris from interior surfaces, including the dashboard, seats and door panels. Fix obvious damages, such as a cracked windshield, worn out tires or broken headlights. Repair any dents and dings in the car s exterior.
  5. Gather all service records. If you can prove that you have taken care of your vehicle with recommended service maintenance, it will command a higher price (either at a dealership or privately).
  6. Be honest about the car s true condition. It doesn t pay to lie or mislead the buyer; the truth about the car will be revealed in time. Dealers use the CarProof services to verify a vehicle s history.
  7. Don t remove or replace any parts or accessories after your car has been appraised. To do this is unethical and just plain wrong.
  8. Determine the current market demand for your make and model, and whether the dealership is overstocked for that model. Supply and demand and market conditions will affect how much a dealership is willing to pay.
  9. If you are driving an older model vehicle that is on its last legs, find out if there are any clunker programs offered by the manufacturer. Sometimes a manufacturer will offer a minimum trade-in allowance (approx. $3,000) on these older vehicles.
  10. Remove any personal items before delivering the vehicle to the dealership. Check the glove compartment, underneath seats and in trunks.

Automotive: DIY Auto Repair: Car Repair #car #wrapping

#car repair

Automotive projects

Your local home center probably carries at least a dozen kinds of lubricant. Ever wonder why so many? So did we. Here’s what we found out.

Use a professional crimper and electrical moisture sealant to make quick, solid connections in auto wiring.

The Family Handyman is proud to announce the DIY University. Courses that give you the confidence and know-how to get the job done right.

Invest in a computer-safe test light and retire the old incandescent test light. The old one can damage sensitive electronics in your car.

You’ll get more jobs done faster—and better—by expanding your collection of air tools. Air tools speed up auto work and can loosen just about…

Pro mechanics reveal their top automotive tools, the ones that they keep close at hand and work best for them, including a battery-powered…

Diagnosing many car problems is easier with an automotive stethoscope, a tool that lets you hear inside the engine. Here’s an introduction to…

A rethreading kit is an important part of any automotive toolbox. Use it to restore stripped threads on old, rusty nuts and bolts when you…

Diagnose car problems without going to a mechanic with an auto code reader. Simply plug it into the car’s computer system, then interpret…

Padded undercar creepers are worth the investment, even for amateur mechanics. You’ll enjoy changing the oil and working on the engine more when…

A retractable LED work light is safer than incandescent drop lights and a pocket LED puts light right where you need it in tight quarters.

Are 12-point sockets as good as six-point sockets? Find out the answer—and why—before you buy that expensive set of socket wrenches…

Automotive Tools Tips Advice – Kelley Blue Book #car #engines #for #sale

#buying a new car


Step 3: Calculate What You Can Afford

Let Your Budget Do the Driving

When considering a new vehicle purchase, the lines of affordability can easily become blurred due to the varied financing options available. A wise buyer shops for a new vehicle based upon what he or she can truly afford. Keep an open mind and you could be pleasantly surprised by the list of vehicles within your price range.

Affordability is a multi-faceted issue because the car-buying process can consist of several financial considerations. It will help if you determine, accurately and honestly, what your current car is worth, how much of a down payment you can make and a reasonable amount you can handle for monthly payments. Some careful thought and cold, hard honesty will pay big benefits later. Far too many buyers shop for cars that are beyond their budgets, want small down payments, drastically misjudge their capabilities regarding monthly payments and then want to reduce the monthly payments by stretching out the lengths of the loans, all of which leads to trouble in the future.

Another key element is deciding what to do with the current car. As a general rule, it may be worth more to sell it yourself, to a private party, than to trade it in. But many people don’t want to take the time and make the effort to do that. You should understand that if you trade it in you will probably not get as much for it as if you sell it yourself.

The biggest issue for most buyers is the price of the new car. Fortunately, determining the MSRP is easy, and figuring at least a range for a realistic transaction price is also not terribly difficult.

Calculating Affordability

The new-car buying process is greatly simplified when you discover the bottom-line vehicle price you can afford ahead of time.

This is true whether you lease or buy. Here’s an example of the kinds of details that may be involved in a typical new-car deal:

  1. “The trade-in value of the vehicle I currently own is $10,400.”
  2. “I owe $2,200 on it.” Meaning, you have about $8,200 equity in the car.
  3. “I’ve got $2,000 in savings I want to put down.” Meaning, with the trade, you will be able to give the dealer a total of about $10,200.
  4. “I want to keep my payments under $400 per month for 60 months.” That monthly payment schedule will finance, roughly, about $20,000, meaning the total price of the whole package can be the $20,000 plus the $10,200 you have handed the dealer, or $30,200. That means a new car in the price range of roughly $27,000, because there will be, generally, about 10 percent added in taxes, license, fees and so forth.?
  5. Furthermore, it means the whole deal, by the time you have paid it off in five years, will have cost you about $34,200 ($400 times 60 months is $24,000, plus the $10,200 you gave the dealer in the form of your trade and the $2,000 down.

This means the same as:

  • “I can afford to buy a $27,000 vehicle.” And it’s going to cost you $34,200 and five years to do it.

There are many online tools available to help you determine affordability.

Your Current Vehicle — Trade In or Sell Yourself

If your car is in extremely good condition and you have impeccable service records, it may be well worth your while to sell it on your own. On the other hand, if your car needs a lot of work, you may end up putting more money into it than you can recover — so take a realistic look before you decide.

For trade-in, get the Blue Book Trade-in Value of your current vehicle. This value — based upon the condition of your vehicle — is an accurate representation of what you may expect to be offered when trading in your vehicle at a dealership. If you decide to trade in your vehicle, keep in mind the dealer must assume the responsibility for preparing your trade-in for resale. This process usually includes mechanical and smog inspections as well as repairs to make the car ready to sell to the next owner. This will cost the dealer money, and the dealer will figure this into the deal.

If you would prefer to sell your vehicle to a private party, check out the Blue Book Private Party value first. This is the value you can expect to get when selling the vehicle to another consumer. In this case, you are solely responsible for preparing your vehicle for sale as well as setting and negotiating a fair price. Read more on trading in or selling yourself in Step 8.

Loan Amount

To discover the amount you need to borrow, calculate the monthly payment you can afford via our payment calculator. This tool factors the interest rate and the term of your loan. Now add your available cash with the loan amount and you’ll begin to arrive at a price that works for you. Also, check for any customer or dealer incentives that may be available on your new vehicle, adding to your available cash amount. Remember, you still need to add state tax, license and fees, which vary by state and can be obtained through your local DMV.

New Car Pricing

The best news is that new car pricing is now easily accessible online. Kelley Blue Book’s features three types of new car pricing:

  • Invoice Price

The new car pricing report details the invoice price on each trim level. Dealer Invoice is the dealer’s cost for the vehicle only and doesn’t include any of the dealer’s costs for advertising, selling, preparing, displaying or financing the vehicle.

  • MSRP Price
    The MSRP is the Manufacturer’s Suggested Retail Price, also known as the “sticker price.” This price is required by law to be posted on every new vehicle and is usually — but not always — the highest market price. The exceptions occur when certain vehicles are in high demand or have low availability.
  • Fair Purchase Price Range

    Also, check out an available price called Fair Purchase Price. Updated weekly, the experts at Kelley Blue Book have developed the most accurate pricing guidelines for new-car buyers based on purchase data collected across the country.

  • In addition, incentives may be available on the car of your choice and will bring down the overall price. Current incentives information is easily accessible on as well. Read more on new vehicle pricing in Step 5.

    Your decision to stick to a budget will help provide peace-of-mind, both in the car-buying process and in the future. And remember, you’re paying more than a dollar for every dollar you borrow, so making a substantial down payment toward the purchase price makes long-term sense. With these principles in place, you should be able to begin in-depth research on your new, shorter list of cars.

    Automotive Paint #car #painting

    #car touch up paint

    Featured Products

    Surface preparation is key to a quality paint job. We offer paint stripper to remove the old finish, as well as grease and wax remover to remove dirt, grease, wax and oil. Primers are an essential foundation for top coats and we carry filler primer to fill scratches and minor surface imperfections, self-etching primer to promote adhesion to bare metal, primer sealer for maximum corrosion resistance, and all-purpose sandable primer for a uniform topcoat.

    Having your car painted by a body shop is very expensive and you’re at the mercy of their schedule. If you want to tackle the job yourself, and work according to your own timetable, we offer complete paint systems that will give you professional quality results. These include primer, color coat, and clear, and for candy colors, primer, candy base, candy color, and clear. These products are designed to work together and no mixing or reducing is required, application is easy with quick drying time, and there is no recoat window; reapply at any time. You can even create a custom matte finish or a pearl effect.

    Detail your engine to draw crowds when you pop the hood; make your calipers stand out behind custom rims; or restore the vinyl on door panels and dash boards. These jobs and much more are possible with our selection of specialty coatings. Our high temperature engine paint is available in a wide range of colors and can withstand temperatures up to 550°F. Choose caliper paint in a variety of shades that is heat resistant to 900°F and won’t chip, crack or fade. Restore or change the color of interior vinyl surfaces with our vinyl coating that is formulated with adhesion promoter so no primer is needed.

    Average Cost of a Hybrid Car #car #transporters

    #hybrid car

    Average Cost of a Hybrid Car

    Average Cost of Hybrid Car

    With gas prices skyrocketing and a prevailing consumer desire to be environmentally conscious, the average cost of a hybrid car has been declining. During the same time period, the number of options from both foreign and domestic manufacturers has increased exponentially.

    See our Top Picks for 2013 Hybrid Cars

    Most Commonly Seen Hybrids on the Road

    Japanese manufacturers were the first pioneers of hybrid technology, thus their hybrids have been around longer, bringing new innovation as well as cost savings to the consumer. Most of these are sedan models, ranging in MSRP price from around $23,000 to $35,000 for a brand-new model.

    New Options for Hybrids

    Many domestic and European car manufacturers have begun to produce hybrid versions of some of their top-selling models. Surprisingly, domestic SUVs go for prices not much more than their smaller Japanese sedan counterparts at around $30,000 to $45,000 MSRP. However, if you are looking for something a little higher-end, some European manufacturers have models that range in the high $60,000s.

    Eventual Cost Savings

    While the initial price of hybrid cars may be between $2,000 and $10,000 more than a gasoline-engined car, the ultimate savings make the purchase worth the investment. Hybrid cars run on a combination of electric power and gasoline, requiring fewer stops at the filling station and ultimately saving you hundreds or thousands of dollars in fuel costs.

    Federal government programs have also catered to drivers of plug-in hybrid and electric vehicles with multiple new car tax breaks and rebates. The credits for owning a green car often times offset the higher cost of the original purchase, making the car nearly as affordable as a traditional vehicle.

    Also, in many urban cities where carpool lanes are in effect, drivers who own a hybrid car may be able to utilize those lanes when driving alone, as well as completely avoid paying bridge or highway tolls. This varies from state to state, however there are multiple green car driver programs already instituted.

    Maintenance Isn’t Much of a Cost Concern

    Initially, new consumers of hybrid vehicles were concerned with potential problems they might have encountered when forced to make repairs to their cars, and the availability of maintenance shops carrying the appropriate parts. However, as more hybrid cars hit the road, more shops have adapted to these types of repairs with little increase in costs compared to dealing with traditional gasoline-fueled vehicles. The other upside to this issue is that hybrid vehicles tend to have fewer maintenance issues than normal cars on the road.

    The confidence of hybrid car manufacturers is evident from the scope of their warranties. The majority of hybrid car manufacturers, including Honda, Ford and Toyota, are offering 8 to 10 years of warranty coverage on their various hybrids. For example, Toyota is offering a whopping 180,000-mile warranty for their battery packs, while Hyundai s hybrid batteries come with a lifetime warranty.

    See our List for the Best Hybrid Cars

    As far as the maintenance of hybrid cars is concerned, most hybrid components do not require regular maintenance. Oil changes must be done just like with conventional gas autos. Another distinct advantage is the regenerative braking technology in hybrids, which captures energy created during braking and uses it to charge the batteries. The brake pads will last longer because of this technology.

    Overall Total Cost of Ownership for a Hybrid SUV

    At present, hybrid SUVs are still much more expensive than non-hybrid SUVs. Depending on the manufacturer of the SUV, prices for a hybrid version of a particular make and model may differ by as much as $10,000 to $12,000 over the price of the standard gas-engine version of the same SUV.

    Many hybrid SUVs return 20 to 40 percent better gas mileage than the standard gas-engine version. However, many industry experts state that the average savings of a hybrid SUV over a conventional-engine SUV model generally translates to only about $300 to $600 per year.

    Therefore, it is hard to justify the price difference of a hybrid SUV versus a non-hybrid version when savings on fuel costs amount to so little. While a person’s driving habits will dictate how much he or she will save in fuel costs, industry experts project that the time required to recoup the added cost of a hybrid SUV will take between 7 and 15 years. Furthermore, many analysts project that many drivers would never be able to actually see a return on their investment with a hybrid SUV.

    Because a hybrid SUV relies so heavily on its electric battery, hybrid SUV batteries are generally much more expensive than standard car batteries.

    Related Questions and Answers

    What are the Cheapest Hybrid Car Luxury Models?

    The cheapest hybrid cars in the luxury category are the Lexus CT 200h and HS 250h, which sell for around $30,000 and $38,000, respectively. Hybrids and electrics in the luxury category range in price from $30,000 all the way up to $400,000, which will get you an all-electric super-fast Venturi Fetish. In the more affordable category, the aforementioned models are followed by another Lexus, the RX 450h. BMW also produces ActiveHybrid versions of some of its popular models, though they do not come cheap. Driving a luxury hybrid can be expensive, but the savings on gas will help you justify the big price tag.

    Is the Price of Hybrid Cars Going Up or Down?

    Since they were introduced, the price of hybrid cars has definitely come down. In recent years, things have leveled off and will probably stay around the same price level until hybrids gain a bigger share of the market. As more people buy hybrids the price will continue to fall, but at this point in time not enough are being sold for a big price drop to occur. In many cases, the most popular hybrids are hard to find. Also, there have been cases of people paying more than the MSRP price just to get their hands on one.

    Is there anything Specific to Expect from Future Hybrid SUV Models?

    As to future hybrid SUV vehicles, in the near term hybrid SUVs such as the Ford C-Max and Escape are shifting from nickel-metal hydride technology to newer and better lithium-ion technology. It is likely that future hybrids will be turning into fully electric vehicles as more Nissan LEAF . Ford Focus Electric and other EVs win over consumers. Nissan’s LEAF, a successful compact hatchback hybrid, is a boxy affair that will travel around 75 miles on an overnight electric charge from an extra-cost 240V home quick-charge station.

    How Does Hybrid SUV Mileage Compare to that of Hybrid Trucks?

    The truth about hybrid SUV mileage when compared with hybrid pickups is there isn’t any difference in fuel economy. Unless you are constantly hauling half-ton loads of rocks in a Silverado 1500 Hybrid . the fuel economy is no different than in the Tahoe Hybrid SUV, built on the same chassis and with the same powertrain. The primary difference is that the Tahoe swaps the truck bed for an enclosed cargo area.

    Average cost of new car at 4-year high in quarter #car #rental #coupons

    #new car prices

    By David Zalubowski, AP

    The bank says that’s because financing costs have been increasing and because consumers have used incentives to upgrade their vehicle choices.

    Comerica says it took 26.2 weeks’ worth of an average person’s salary to buy a new car in the third quarter, up nearly six weeks from the second quarter of 2004, which was the most affordable period in 25 years. The index has been slowly creeping up this year, but the third-quarter jump was the biggest in years.

    The average price of a new vehicle was $27,958, including financing charges, up 6% from a year ago, Comerica says.

    Interest rates on car loans have gone up a full percentage point since the beginning of the year as the Federal Reserve has raised rates, says Dana Johnson, chief economist for Comerica Bank. The 1 percentage-point increase amounts to about $250 annually for a $25,000, five-year loan.

    The other factor affecting the index was that car buyers purchased more expensive vehicles than they had been. “It’s certainly not surprising that financing costs have gone up,” Johnson says. “What surprised me is that the average amount spent per car rose quite significantly in the third quarter.”

    Johnson says domestic automakers’ employee discount pricing, which lasted most of the summer, appears to have lured in people who might have bought more expensive cars and trucks later in the year. Auto sales plummeted in October as automakers attempted to retreat from heavy incentives.

    General Motors this week fired up another discount program, called the Red Tag Sale, that posts the bottom-line price of the car on a prominent tag. Ford Motor said Wednesday that it would follow suit, calling its no-haggle program “Keep It Simple.”

    Paul Taylor, economist for the National Automotive Dealers Association, says the trend toward rising vehicle prices will dramatically reverse in November and December because automakers have added $4,000 to $9,000 discounts to many slow-selling models.

    Johnson says he was holding out hope that the automakers, particularly GM, would refrain from offering big year-end deals. “They’re just like a poker player who doesn’t have many chips. They cave in at the least resistance from consumers,” he says. “All that’s happening is they’re training customers to wait for the next deal. It’s so self-defeating.”

    Average APR for a Car Loan #cars

    #used car loan

    Average APR for a Car Loan

    The annual percentage rate for a car loan can vary greatly. The APR you’ll receive is mostly determined by these factors:

    • What’s your credit history and credit score like?
    • Are you buying a new or used vehicle?
    • How long will you take to pay off this loan?

    The better your credit and the shorter the length of the loan, the better the rate. And loans for new cars get better interest rates than used car loans. Geographic location may come into play as well. Some areas have higher interest rates than others.

    Your credit history is compiled by reporting agencies using information from your creditors, including mortgages and credit cards. The agencies use a formula to rate your credit history on a scale of 300 to 850, known as a FICO score. A higher number usually results in a lower car loan interest rate. Advertised interest rates are usually for borrowers with credit scores in the good to great range — FICO scores above 700, for example.

    That doesn’t mean those with less than perfect credit can’t get a loan; it just means you’ll have a higher APR. These days, buyers with the best credit scores can find auto financing at around 6 percent; those with the worst scores may pay around 18 percent [source: ].

    If you are able to make a slightly higher monthly payment, the rates for a 48-month loan is usually about a half a percentage point lower than those for a 60-month loan. It may not sound like much, but a half a point can add up over the course of five years. And remember: Interest is only paying for the lender’s trouble. The principal is what’s paying for your new car.

    Just as you would shop around for the vehicle that best fits your lifestyle, you should also shop around for the loan and interest rate that fits your bank account.

    For more information about the cost of car ownership, follow the links on the next page.

    Auto-Trade with thinkorswim – FAQ #rent #a #car #deals

    #auto trade

    Auto-Trade with thinkorswim FAQ

    Auto-Trade is a mechanism whereby an investor enters into an agreement with his broker authorizing the broker to make trades in the investor’s account based on recommendations of a financial newsletter such as Terry’s Tips.

    It is important to understand that we are not a licensed investment advisor. We publish an investment newsletter that maintains several portfolios (with different strategies and underlying stocks or ETFs). We offer investment ideas but we are not managing your money or acting as an investment advisor. We do not make recommendations concerning which portfolios might be best for you. If you choose to mirror one of our portfolios, you are making an investment decision on your own, regardless of whether you have signed up for Auto-Trade with your broker or not.

    Subscribers to our Premium Service receive (if they request it) real-time Trade Alerts emailed to them as well as to a broker of their choice where they might have an Auto-Trade arrangement. Our regular service subscribers receive Trade Alerts at the end of the day when our recommended prices might not still be available, and these subscribers are not eligible to sign up for Auto-Trade (for Terry’s Tips ) with their brokers.

    Show All Answers | Hide All Answers

    Average insurance rates by car – 2015 models #cheapest #car #insurance #for #young #drivers

    #cars compare

    Annual rates for 1,000+ models!

    Jeep vehicles account for three of 2015’s 10 least-expensive models for car insurance. according to s latest annual ranking of vehicles. (Compare insurance rates by car for more than 1,500 models.)

    Insurance rates are all about claims how many and how big, says Penny Gusner, consumer analyst at Cars that are cheapest to insure typically are easy to repair or have fewer claims or both.”

    Scott Oldham, editor-in-chief of car-buying site, and other experts say the brand dominates this year’s insurance-bargains list because the three Jeeps atop the rundown are all entry-level models that are inexpensive to repair or replace following accidents, vandalism or theft.

    “You can get a lot of image, versatility, performance and frankly a heck of a lot of fun for a very low price (with certain Jeeps),” says Oldham. looked at insurance rates for more than 1,500 models from six major companies in every state, comparing costs with the same driver behind the wheel. The top vehicle, the iconic Jeep Wrangler, on average costs less than a third as much to insure as the most expensive, the equally iconic Nissan GT-R.

    Though relative rankings should remain the same, the underlying cost of car insurance varies wildly by state. The Chevrolet Traverse LT 2WD sport-utility, for example, would cost the same driver as much as $2,290 to insure in Michigan and as little as $766 in Maine. Its national average was $1,282.

    What makes a car cheap to insure?

    The lone car to crack the top 10 list is the tiny Smart ForTwo, which provides an eye-opening peek into what goes into insurance-rate calculations.

    The $13,270 Fortwo Pure has a base price as small as its size, and Matt Moore of the Highway Loss Data Institute says that helps keep claims — and rates — low.

    “Collision and comprehensive insurance (premiums) are to a large extent driven by the cost of a vehicle, and the Smart Fortwo is one of the least-expensive vehicles for sale in the United States,” he says.

    The Fortwo also doesn t cost insurers much in claims.

    HLDI s latest data on the Fortwo finds collision losses 32 percent below average and 45 percent less than average for theft and other non-crash losses. HLDI also found that liability claims for damage to other cars and property ran 37 below average, which Moore attributes to the tiny model’s 1,800-pound base weight.

    So what leads to fewer claims?

    Oldham surmises that the Smart may benefit from its intended use as a city car.

    Nobody jumps in a Smart and drives it across four states,” he says.

    Lower mileage is only one of several factors that could result in fewer insurance claims. The vehicle s safety record matters, of course, but so does the overall risk profile of the people who buy it.

    The sport-utility vehicles, crossovers and minivans that top the list are the kinds of vehicles popular with parents who are unlikely to drive 100 mph or park in areas rife with auto theft.

    “Many of these vehicles have children in them a lot of the time, so their owners drive accordingly,” Oldham says.

    Jeanne Salvatore, an Insurance Information Institute spokeswoman, adds that family-friendly models typically come with plenty of safety features, reducing the odds of serious injuries.

    “Insurers look at how protective a car’s safety equipment is to its occupants and how likely a model is to inflict damage on other cars or their passengers,” she says.

    Expensive: Horsepower and high tech s analysis found that the costliest 2015s to insure are high-end Porsches, BMWs and other sports cars that typically sell for more than $100,000 and can hit around 200 mph.

    Oldham says such cars cost big bucks to insure partly because they’re “very fast, very powerful and very expensive to repair (or replace).”

    He says top-of-the-line sports cars usually combine parts made out of carbon fiber or other exotic materials with expensive engines that can crank out 500 horsepower or more.

    Lastly, the expert notes that high-end sports cars primarily appeal to men, who typically face higher premiums than females, and especially interest males who like to drive fast.

    “That’s why you buy one of these cars in the first place,” Oldham says.

    The costliest cars to cover

    Add it all up and found that 2015’s most-expensive model to insure is the Nissan GT-R Nismo, a premium version of the brand s flagship sports car, at an average $3,574 per year. That’s more than twice the $1,555 average for the 1,500-plus models that studied.

    The GT-R Nismo starts at $149,900 and features a racing-friendly design, with a 600-horsepower twin-turbo V-6 engine, nitrogen-filled tires and other high-performance features that help propel the model to a 196 mph top speed.

    “The Nismo GT-R is one of the fastest cars on Earth,” Oldham says. “It’s a very powerful, very technologically advanced, high-performance car.”

    The 2015s that come with the year’s highest insurance costs:

    Rank / Make model / Average annual premium

    1. Nissan GT-R Nismo – $3,574

    2. Mercedes-Benz SL65 AMG Convertible – $3,573

    3. Dodge SRT Viper – $3,318

    4. Porsche 911 Carrera S Cabriolet – $3,216

    5. Audi R8 5.2 Spyder Quattro – $3,206

    6. Porsche Panamera Turbo Executive – $3,174

    7. BMW 760Li – $3,147

    8. BMW M6 Convertible – $3,115

    9. Mercedes-Benz E63 AMG 4Matic Wagon $3,042

    10. Mercedes-Benz CLS63 AMG 4Matic Sedan – $2,972

    2015s with the lowest premiums

    At the other end of the spectrum, found that the year’s least-expensive model to insure is the 2015 Jeep Wrangler Sport 4WD two-door hardtop. Buy one and you’ll likely face just a $1,134 annual bill — 27 percent below the average rate for the more than 1,500 models that we studied.

    The popular Wrangler Sport two-door hardtop combines a modest base price with standard four-wheel drive, 8.8-inch ground clearance and hill-start assist.

    The model had mixed results in Insurance Institute for Highway Safety crash tests. Although the Jeep got a “Good” rating for head-on collisions, it earned a “Poor” mark for side-impact crashes. The vehicle also only got “Marginal” scores for seat and head-restraint performance and for “small-overlap frontal” collisions, where something hits one corner of your car’s front end.

    Crash tests are only part of the picture, Gusner says. In the end insurers make their decisions based on claims.

    How to use our rankings

    About 17 million Americans are expected to buy new vehicles in 2015.

    “Far too few car shoppers take insurance into serious consideration before they decide which vehicle to buy,” says Karl Brauer, senior editor of Kelley Blue Book. “Instead of carefully analyzing what the premiums will be, they decide that they want a particular car and say: ‘Whatever the insurance is, I’ll deal with it.'”

    Salvatore, the insurance institute spokeswoman, adds that while the model you buy will only partly account for your premium levels (your location and personal driving record play big roles), consumers should feel free to contact carriers while car shopping.

    “If you’ve looked at all of the other factors and gotten down to a couple of (finalists), you should call up your insurance agent and find out how much they’ll each cost to insure,” she says. “After all, you’re going to be paying those premiums on whatever car you buy for (a long) time.”

    Methodology commissioned Quadrant Information Services to calculate average auto insurance rates for 2015 models. Averages were calculated using data from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. Not all models were available, especially exotic cars. More than 1,500 models are included in the 2015 study.

    Least expensive rankings were based on the best-performing trim line of each model. Most expensive rankings were determined by the worst-performing trim line of each model.

    Averages are based on full coverage for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage.

    State averages were calculated by averaging the rates for all 1,522 models surveyed for each state.

    Average rates are for comparative purposes only. Your own rate will depend on personal factors.