Four Cars Noted for Low Insurance Costs in USAA Best Value List

Insurer USAA released a 16-car list last week of Best Value vehicles, its second annual ranking of new models that give consumers “most bang for their buck” in categories like premium costs, safety and fuel economy.

The 2012 list is:

–Large sedan: Dodge Charger

–Midsize sedan: Toyota Camry hybrid

–Small sedan: Hyundai Elentra

–Large luxury sedan: Hyundai Genesis

–Midsize luxury sedan: Volvo S60

–Large SUV: Chevrolet Traverse

–Midsize SUV: Dodge Journey

–Small SUV: Kia Sportage

–Large luxury SUV: Audi Q7

–Midsize luxury SUV: Lexus RX 450h hybrid

–Large pickup: Toyota Tundra 2WD

–Small pickup: Nissan Frontier

–Sports: Ford Mustang

–Coupe: Honda CRZ hybrid

–Wagon: Nissan Juke

–Minivan: Dodge Caravan

Premium Cost One of Factors Weighed in Rankings

USAA’s Best Value models were picked from the best of its Preferred listing of about 80 vehicles. The Preferred list comprises models ranking in the top 40 percent of USAA-picked categories and registering a “good/acceptable” crash test ranking from the Insurance Institute for Highway Safety.

A third of USAA members picked a car listed as a Best Value when buying a 2012 model, according to the insurer, and rates and premiums played a big part in whether or not a vehicle made USAA’s list.

“The goal of the list is to help members identify vehicles that offer better safety ratings, lower insurance premium costs, higher fuel economy, better overall reliability and lower MSRP compared to other vehicles in the same category,” Steve Thompson, USAA assistant vice president, said in a statement.

The scoring model for insurance value calculated average premium cost over three years, with especially inexpensive car insurance quotes noted for four models included in the list:

–Nissan Juke

–Audi Q7

–Dodge Journey

–Kia Sportage

New Car Sales Expected to Pick Up Steam

Car costs for new vehicles are only slightly pricier than used cars, which may lead to a boom in business for 2012 models, according to Lauren Fix, a well-known car care expert who has appeared on national television programs and was cited in USAA’s press release on its rankings.

“The average vehicle on the road today is 10 years old,” Fix said. “As the economy improves, new car sales are expected to increase as consumers begin replacing their clunkers with new models.”


To read about the experiences of current and former USAA policyholders, readers can find user-submitted USAA auto insurance reviews online.

About Charles Nguyen
Charles Nguyen is an enterprising journalist who reported for Patch.com and the Desert Dispatch and was the editor in chief of the Guardian (the twice-weekly newspaper at the University of California, San Diego) before coming to Online Auto Insurance News.

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