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If you are in the market for a new car, you will want to consider what the insurance will be on that car before making any final purchase. There are a number of things about the make and model of any car that will affect the cost of insurance, and while you may believe that American car insurance will be cheaper because the car is manufactured in the U.S. this may not be the case.

The economic situation recently has changed things for American auto manufacturers and as a result, has also changed things for the companies that offer insurance on them.

As car manufacturers struggle to keep themselves out of financial trouble, car insurance companies are scrambling to redefine insurance rates that stay in line with the changing economic situation. For example, some of the American cars that are being phased out of production will likely be hit with increased insurance premiums because of reduced resale values, increased repair costs due to less availability of parts, and reduced availability of servicing. So while the price tag could be quite appealing on one of these cars, it may not follow that the American car insurance on that car will be cheaper.

There are many variables that insurance companies consider when defining premiums and they are not generally related to where the car was made. Smaller, sportier cars will always be one of the most expensive cars to insure as it is assumed that if you drive a car that can go fast and zip in and out of traffic; you will probably drive it that way. Likewise, a large luxury model car with all the technical bells and whistles is going to have a higher insurance premium because it has a higher theft risk, regardless of whether it is foreign made or American made.

If you prefer to drive a US manufactured car and you’ve found a good deal on something that you love, the best thing to do is shop around for the best quotes and see if getting a few discounts will help you find the most affordable American car insurance quote.