View Single Post
Old Dec 18, 2004 | 01:55 PM
  #52 (permalink)  
accord95's Avatar
accord95
USMC
 
Joined: Sep 2002
Posts: 10,277
Likes: 0
Default

Originally posted by noname
i dont know were you are getting insurence from??????? thats Bs had both.. mustang is alot more expensive than a integra espicially if your under 25
only if you're talking about liability only, but not full coverage.

refer to sig young pup. i've worked for the third largest insurance company for the past 5 years, im a senior underwriter. i know for a fact that a civic costs more than a mustang or camaro to insure. i have quoted it on many insurance policies.

here is an example of a quote i just did:
25yo, no points, florida resident

2001 honda civic ex, full coverage $622 for 6 months.
2001 camaro z28, full coverage $608 for 6 months.

now with just liability:
2001 honda civic ex, liability only $264
2001 camaro z28, liability only $292

now let me explain the reason behind this. liability only protects other people when you hit them. so the liability rate is based on the wieght of your car and the size of your engine. so liability is obviously more on a camaro.

but when you have full coverage(physical damage), you have to include the comprehensive rating(theft rating) and collision rating(how much is cost to fix your car if it is damaged)

so since the civic is the #1 stolen car in america and it costs more to fix than a camaro, when you have full coverage, a civic will cost more.

hope you learned something today, and dont ever question my insurance skills again please. especially when im at work and have the rating software right in front of me.
__________________
TR happily married crew-member #2

___________________
Originally Posted by Troux
This is the internet. You're just supposed to talk up whatever you do know as if you're a salesman for it. i.e. I drive a Supra and a Corolla therefore 2JZ is the greatest and so is the 4A and I don't care about anything else because it's all crap since I don't have it. I also have a stack of $20 bills in front of me, therefore 20>50 and 20>100 and 20>1000. $20 bill FTW.