Car insurance from a different viewpoint

"Car insurance companies will offer somewhat lower rates to their customers simply by driving a car that will cost less to fix if it gets in an accident." http://www.cheapcarinsurance.net/car-insurance-rates-and-damage-susceptibility/

Makes sense! I never thought of it that way, since so much of my insurance is based on age, and location... I wonder how much of my 65 a month is based on what the car stats are for repairs?

"In setting insurance premiums, insurance companies mainly rely on factors that are not directly related to the vehicle itself (except for its value). They mainly consider driver characteristics (such as age, gender, marital status, and driving record), the geographic area in which the vehicle is driven, how many miles are traveled, and how the vehicle is used."
http://www.cheapcarinsurance.net/car-insurance-rates-and-damage-susceptibility-alt/

Ok, those two excerpts seem to conflict a little...

"However, some companies adjust their premiums for personal injury protection and medical payment coverage if the insured vehicle has features that are likely to improve its crashworthiness, or ability to protect occupants from injury or death, such as air bags. " http://www.cheapcarinsurance.net/car-insurance-rates-and-damage-susceptibility-alt/

Ah HA! I was right

For the stats on vehicles, so you can base a car purchase on what your insurance company is likely to charge relative to other purchases...
The luxury "large", and "very large" have the highest "Relative Average Loss Payment Per Insured Vehicle Year" usually twice to three times the ordinary cars

Lotus Elize : 435
Maserati Quattroporte 4dr : 429
BMW M5 4dr : 317
Nissan 350Z : 217

Dodge Caravan : 68
Saturn Outlook 4dr : 33
Jeep Wrangler 4dr : 33
GMC Acadia 4dr 4WD : 30

So boring cars are less paid out than exciting cars... logically.
Thanks to Scott at http://www.cheapcarinsurance.net/

I've read every issue, I get them from paying Hagerty's for insurance, but both are worth praise

https://shop.hagerty.com/s-9-hagertys-magazine.aspx

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Thanks to Neilson Hall for bringing this up!

Car insurance comparison

For insuring my daily driver I am calling the top 10 biggest insurance companies around, and with the identical policy info given to them, here's the dirt on how bad they will rip you off compared to the other company. Rip off? Yeah, if you are forced to pay for it but never use it, need it, or file a claim, it's a rip off. If you use it, when you need it, that's a different situation of trauma, drama, and need for assistance.. that would be a damn good time to have customer service. I haven't had any customer service from car insurance companies, just from the insurance agent that I was fortunate enough to find when comparing companies years ago. My agent has been at the same company, as an agent for over 30 years, and I really dig his whole role and occsional check in with me to keep in touch. Anyway here's the rip offs: (6 month policy quotes) in US Dollars Allstate: $438 AAA: $448 Farmers: $477 Geico : $525 State Farm: $608 Progressive: $619 Mercury: $634 20th Century / AIG : $696 Sad huh?! I'm going to get more quotes, and update this post with them, during the regular work week I suppose, since Saturday wasn't good for gettting ahold of local agents when their company didn't have a 1 800 # Also, if you are a member of the following 6 occupational organizations, associations, or university degree holding professions, you are going to get a discount too, from some insurance companies: California Medical Assoc. California Association of CPAs LA county Bar Association Degrees in Education, Engineers, and Scientists So, if you were lucky to get college degrees for those wealth making professions, you are going to keep more of your dough 'cause the insurance companies have found that those types of people aren't as likely to have their expensive cars stolen, damaged in parking lots, or hit in traffic jams. Must be really special to have the car gods shine on you like that. Also, the insurance companies will jack you for a more money if you don't have car insurance... they aren't picky either, they don't care if you stopped due to a reason, or who you used to have, they are equal opportunity opportunists, and just that you don't currently have insurance on a car is all the reason they need to charge more without doing anything more for you.. further giving me cause to label them all rip offs.

Hagerty Car Insurance commercials, I just watched these on ESPN2, Sunday during the RM Auction, they're great!

http://hagertyblogs.com/scottsdale2008/2008/01/sneak_peek_hagertys_new_commer_1.html

Or go for all the Hagerty commercials... http://www.youtube.com/profile_videos?user=HagertyKnowsClassics all 23 of them. Short, amusing, car guy stuff!

Hagerty Car Insurance commercials, I just watched these on ESPN2, Sunday during the RM Auction, they're great!

http://hagertyblogs.com/scottsdale2008/2008/01/sneak_peek_hagertys_new_commer_1.html

Or go for all the Hagerty commercials... http://www.youtube.com/profile_videos?user=HagertyKnowsClassics all 23 of them. Short, amusing, car guy stuff!

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We can take care of all the service, maintenance, detailing and storage needs, of not only vehicles purchased from us, but any other classics that you may have.
Help and advice can also be provided for any finance and insurance requirements you may have.
If the car of your dreams is not listed http://www.classicthrottleshop.com/cars.htm we can also help with sourcing wanted vehicles or if you are looking to change your existing quality classic vehicle please talk to us first about possible part exchange or consignment.

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The perfect job? Working for these guys

http://www.classicthrottleshop.com/ All Classic Throttle Shop vehicles come fully serviced by our sister company Cummins Classic Cars www.cumminscars.com. 12 and 36 month mechanical warranty available on all cars (provided by Premium Warranties Australia Pty Ltd).
We can take care of all the service, maintenance, detailing and storage needs, of not only vehicles purchased from us, but any other classics that you may have.
Help and advice can also be provided for any finance and insurance requirements you may have.
If the car of your dreams is not listed http://www.classicthrottleshop.com/cars.htm we can also help with sourcing wanted vehicles or if you are looking to change your existing quality classic vehicle please talk to us first about possible part exchange or consignment.

Under the Sydney Harbour Bridge. Paradise.