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Step 1
Purchase a car without certain characteristics. Do not purchase sports cars, vehicles with large horsepower, high performance vehicles, trucks with 4-wheel drive (if you use an automobile off-road, you are more likely to tear it up), luxury cars, cars with many sophisticated technology features (these cost more to repair), teeny tiny cars and enormous SUVs (one party in a wreck tends to get hurt much worse than the other with both very small and very large autos). Some of the best types of automobiles to buy that do not fall in these categories include station wagons, vans and family sedans.
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Step 2
Buy a car that does not make it on the Top 10 Most Stolen Vehicles list for your state. To see a list of the vehicles for where you live, visit the National Insurance Crime Bureau (NICB) official website (see resources below).
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Step 3
Choose a vehicle designed to cost less to repair should an accident happen. The Ford Mustang, for example, has stronger bumpers and strategically placed headlights to attempt to lesson the impact of minor fender benders.
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Step 4
Get a vehicle that is relatively inexpensive to begin with. Generally, insurance is less expensive for cars that cost less than for models that are more expensive. Some insurers charge less for domestically made cars because replacement parts cost less since they do not have to ship them halfway around the world.
