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Do you consider the cost of car insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.

The Highway Loss Data Institute is a nonprofit public service organization. It is closely associated with and funded through the Insurance Institute for Highway Safety, which is wholly supported by auto insurers. HLDI gathers, processes, and publishes data on the ways losses vary among different kinds of vehicles.

4- Door cars have a 93% less chance of having a claim related to theft than their sibling 2-Door cars. Buy a Buick LeSabre and have relatively no chance of a theft loss. Compare that to the convertible Chevrolet Corvette that has over 5 times the average theft rate. You may have known that. However, did you know that the Toyota Celica has a 67% higher chance of theft than the Toyota Camry?

In addition, 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 come into play there is the cost of repairing an expensive vehicle," says Russ Rader, with the Insurance Institute for Highway Safety.

What about safety? You may be surprised at some of the results. For example, the Porsche 911 has a 67% less chance for injury claims than the norm. Go figure. The Mitsubishi Lancer has almost double the injury claim rate over the norm.

Where does you car fit for injury theft and collision? What about your dream car? Take a look at this run down based on 2000-2002 HLDI data:

Models that are among the most expensive for theft claims include:

Cadillac Escalade four-wheel drive
Chevrolet Corvette Convertible
Lincoln Navigator four-wheel drive
Jeep Cherokee four-door
BMW 3 series Convertible

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 4 door
Hyundai Tiburon two-door
Porsche 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

When it comes to unexpected death, which is naturally everyone's favorite subject, term life insurance is the most economic approach to providing your family with financial security. Thanks to low monthly premiums, the amount of benefits offered through term life insurance is significantly higher than whole life insurance. But did you know that not all term life insurance policies are the same or that there are term options that you can include in the your coverage?

The insurance market is filled with various term life insurance companies, and each boasts it's own set of rules, regulations, and guidelines. And rates, levels and options vary from company to company as well. What may seem like a real bargain may in up costing you more in the long run if you do not read the policy terms. Check out a few of the things that you will want to keep in mind when determining which term life insurance plan is right for you.

Annual Renewable Term Annual renewable term life insurance is renewed every year. The premium is based upon one year of coverage, but the policy is guaranteed to be renewed for a certain number of years. Premiums increase with age. So, if you make it to the ripe old age of one hundred, expect your term life insurance premiums to skyrocket under this insurance plan.

Level Term Level term life insurance features premiums that are the same amount throughout the length of the policy period. The longer the time frame of the coverage, the greater the premiums.

Conversion Privileges Various life insurance companies offer an option on their term life insurance that allows the policy holder to convert their coverage into a permanent life insurance policy-these clauses are called conversion privileges Permanent life insurance builds equity for the insured in comparision with term life insurance which simply offers insurance without the option of cash annuity benefits.

Life Insurance Companies Thoroughly investigate the life insurance company offering you coverage. This is particularly true if you are receiving online life insurance quotes from a third-party website. Visit each companys website and take a look-see. Is the insurance company listed in your local Yellow Pages? Are there agents representing the insurance agency located in your area? And do they appear to be a viable entity that will be around for a long while?

Compare term life insurance policies and companies before you purchase something. Be as picky about the policy parameters and the insurer as life insurance companies are about insuring you. When it comes to life insurance companies, famous names are all apart of the game, but do not let their name recognition lull you into a sense of security. Treat finding the optimum term life insurance plan as you'd treat finding a really killer pair of shoes-shop.