Q&A: WHAT KIND OF CAR WOULD HAVE CHEAPER CAR INSURANCE?

Generally speaking, larger cars are safer,
and, thus, generally speaking, carry cheaper insurance rates.

However, it also depends on your age,
how you use the car,
where you live,
how many tickets or accidents you have, etc.

Since you asked “What is an IRA?”,
you are either not a US citizen,
or you are a US citizen who is totally unfamiliar
with “Individual Retirement Accounts”
(look it up using your favorite search engine).
If the latter, respectfully, you might be wise
putting off such a large purchase,
in favor of saving your presumably
hard-earned money for a rainy day
(for the record,
with the price of gas continuing to climb skyward,
NO car is “good on gas”,
and you’re not going to get a decent vehicle for $ 10,000!).

In lieu of the above friendly advice,
consult a consumer guide at your local library or bookstore,
or ask your (or your parents’) insurer,
who will give you all the info you need,
at no charge and no obligation to purchase anything
(you might want to bring a friend or parent with you,
to avoid being pressured into signing anything).