When drivers are calculating the average cost of owning a car, they probably aren't counting on insurance expenses growing at a rapid rate. Unfortunately, that is exactly what happens for many motorists who find themselves filing insurance claims. A recent study from insuranceQuotes.com looked at the average increase for drivers who filed a claim in each state, and the findings may cause some motorists to think twice about making claims. 

The report found that American drivers who make a single car insurance claim pay an average of 38 percent more for their insurance than those who do not file. Massachusetts was home to the largest increase, with drivers seeing premiums rise by as much as 67 percent, but California and New Jersey were not that far behind with jumps of 62 percent and 59 percent, respectively. 

Geography wasn't the only factor that influenced increases in insurance rates. Collisions that resulted in damage to the car and other property were the most expensive, while claims for events such as theft had a much smaller impact. 

Sometimes, the best way to fight against expensive car costs is to begin the shopping process with this in mind. Drivers can search for models that have a strong history of being reliable and having relatively easy vehicle maintenance. Popular makes and models may also be a smart choice, as repair locations may be familiar with the vehicles and could have the right tools and replacement parts on hand. 

If you want a vehicle that fits these qualities, but still shows off your personality, head to NJ State Auto Auction. The lot houses hundreds of CARFAX-certified cars, trucks and vans, many of which are able to handle a variety of obstacles on the roads. There is also a financing department on site to help you determine what payments fit into your budget.