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Hybrids appeal to people for many reasons, from gas mileage improvement to the incentives that make it easier to obtain affordable car insurance, but it’s important to think very carefully about which hybrid you buy, know how they work, and why they excel.

Different Hybrids, Different Results
While there’s a perception that all hybrids offer better gas mileage, this isn’t entirely true. Some models are actually designed, not to maximize fuel efficiency, but to increase performance in other areas. For example, there are hybrid sports cars and SUVs that combine their gas engines and electric motors to increase power. While this does use less gas than another car with a larger engine, it often uses more gas than the same car with the same engine, but no electric motor. The 2008 Ford Escape Hybrid, for example,  is rated at 32 MPG, and the 2008 Lexus GS 450h only nets 23 MPG (combined).

Mileage Still Matters
Despite this, gas mileage remains the top reason that most people want a hybrid vehicle. Why are hybrids so much more fuel efficient than their standard-power train brethren? It’s because of the electric motor which is powered by batteries which are, in turn, recharged every time the brakes are used. For hybrid vehicles designed for fuel efficiency and not performance, the numbers are attractive: 42 MPG combined for the 2008 Honda Civic Hybrid, and 46 MPG for the same model year Toyota Prius.

Incentives?
But what about those incentives? While they’re becoming less common as hybrid technology becomes more popular, some hybrid models still qualify you for a federal tax incentive, and many states also offer perks to hybrid drivers, including state tax incentives, parking discounts, the ability to use carpool lanes without penalty, and toll discounts. Alone, this may not add up to much, but if you add it to the money saved on gas, the fact that hybrids often cost more to purchase than their gas-only siblings is easily offset.

Insurance Savings
Hybrids are also a benefit when it comes to saving money on insurance, something we all need, especially since recent numbers indicate that insurance premiums in the United States have increased by more than 3% in the last quarter, and about that in the previous quarter as well. Many auto insurance companies offer discounts of up to 10% for hybrid cars, though this is dependent on the type of hybrid you own.

Still, saving money on gas, insurance, and taxes make the purchase of a hybrid ever more tempting. In fact, as of October, 2008, the Honda Civic Hybrid has supplanted the Ford F-150 as the most frequently purchased automobile in the United States.

With the way the economy is going today, it is no wonder more and more people are looking for ways to save money. This is especially true with vehicles. It is getting more and more costly to drive to and from work as well as taking the kids to school or just running errands around town. This is why it is very important to try to save money where you can, like lowering your car insurance. Many people do not realize that they can lower their car insurance by owning a certain type of car.

If you want to look for the cheapest car to insure then you will want to go for a car that is a bit older. Many insurance companies see the older cars are easier ones to insure due to the fact that replacement parts are considerably less than the parts on news cars. Cars that have a lower value are the best to go for. You want to be sure that the car is in good shape so that you will not have a car that will nickel and dime you to death.

You should also keep in mind that the size and shape of the car is important where insurance is concerned. If you are going with a larger type of car, your insurance will be higher. The same is true if you go with a small car. Midsize seems to be the best option where cheap car insurance is concerned. Many say that this is because small cars can have more damage done in the event of an accident and the larger cars will do more damage to other cars on point of impact in an accident.

Some other factors to consider when you make your choice in a vehicle is that you can get lower insurance with a vehicle that has 4 doors rather than 2 and it may be wise to go with a domestic vehicle such as a minivan or one with a 4 cylinder motor. Below is a list of the top ten vehicles that are listed to be the cheapest to insure.

• 4 door Special Edition Buick Century

• 4-door wagon Pt Cruiser by Chrysler

• 4-door dodge minivan (caravan SE)

• 3 door minivan by GMC (Safari SLE AWD)

• 4 door Jeep Liberty Sport SUV

• 2-door Pontiac Sunfire (coupe)

• 4-door Saab Sportwagon 38600 Linear 2.3t

• 4 door Saturn ION 1

• 4 door Saturn L300 1

• 4 door Volvo S40