Insurance can be one of the more significant expenses associated with vehicle ownership, but it doesn't have to be. Many of the variables influencing your insurance rate have to do with factors that may be difficult to control: where you live, your accident history, your yearly mileage and so on.

But if you're still shopping for a vehicle, take comfort in knowing there's one aspect of your insurance equation that you can easily influence: the kind of car you drive. The make and model of your vehicle plays a significant part in determining your auto insurance rate. It makes sense, then, to consider this factor when deciding on a new car.

With this in mind, we've compiled a list of the 10 cars most likely to command the lowest insurance premiums based on five-year projections of the Edmunds.com True Cost to Own^SM (TCO) pricing system. Each model's ranking reflects that of the trim level with the lowest projected insurance expense.

1. 2006 Cadillac CTS



2. 2006 Mazda 6



3. 2006 Volkswagen New Beetle



4. 2006 Volkswagen GTI



5. 2006 Mitsubishi Galant



6. 2006 Honda Accord



7. 2006 Ford Crown Victoria



8. 2006 Dodge Caliber



9. 2006 Suzuki Forenza



10. 2006 Suzuki Verona