Originally Posted by
accord95
insurance companies usually use 4 rating variables.
liability, how much damage it will do to another car(the reason SUV's can be high on insurance)
injury rating, how safe you car is
comp, theft rating
collision, how much it costs to repair
they call these ratings, ISO ratings, which stands for Insurance Standard-and i forget the last word.
mini probably has a lower liability rating/injury rating/theft rating than an s2k(convertable/high injury). also you have to factor stastics. bmw's and mercedes are usually cheap to insure, because the people who own them usually have awesome credit, homeowners, garage kept, and drive better than you and me.
I disagree with the very last part. I see alot of BMW drivers on the road and I doubt as a whole they driver better. For every awesome M3 driver there are 1000 idiot 323I drivers. I'm not saying I'm a Kimi Räikkönen or anything, but 90% of drivers in general suck ass, no matter what they drive. I do know the MINI was safe as hell, so I could see breaking them down in each category how the MINI was cheaper.