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#2673435 - 07/04/12 08:45 AM Car Insurance rates by specific vehicle
pbm Offline


Registered: 04/19/04
Posts: 5636
Loc: New York
I was surprised to see that my 2008 Corolla costs more to insure than my 2011 Cruze. I have read that Corollas are expensive to insure.
Short of calling my insurance company is there a website that gives the rates on particular models? This could be a tie-breaker when deciding between 2 vehicles.

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#2673438 - 07/04/12 08:47 AM Re: Car Insurance rates by specific vehicle [Re: pbm]
NHGUY Offline


Registered: 10/09/11
Posts: 3965
Loc: USA
Maybe all the recalls and bad press made the insurance companies "scared" to cover Toyotas,and when they do,you will pay.??

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#2673447 - 07/04/12 08:52 AM Re: Car Insurance rates by specific vehicle [Re: pbm]
boosted Offline


Registered: 02/07/12
Posts: 252
Loc: WI
^ I think you nailed it.
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#2673480 - 07/04/12 09:22 AM Re: Car Insurance rates by specific vehicle [Re: NHGUY]
JTK Offline


Registered: 08/14/03
Posts: 7864
Loc: Buffalo, NY
Originally Posted By: NHGUY
Maybe all the recalls and bad press made the insurance companies "scared" to cover Toyotas,and when they do,you will pay.??


Maybe that plays into some of it.

The major factors on determining insurance rates for a specific make/model depends on the statistics of how often they're involved in accidents and how expensive they are to repair. A prime example is the 2-door Chevy Cobalt vs. the 4-door. The 2-door is a prime kid's car and statistically sees lots of accidents that are expensive to repair. Therefore it's rates are WAY higher than the 4-dr.


Joel


Edited by JTK (07/04/12 09:24 AM)
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#2673487 - 07/04/12 09:28 AM Re: Car Insurance rates by specific vehicle [Re: pbm]
Norm Olt Offline


Registered: 01/27/03
Posts: 1822
Loc: Pac NW
Easily & most frequently stolen in the past, etc. The rampant rise of fraud.

p.s. The answer to basic vehicular insurance is "pay at the pump", whereby ALL vehicles are provided with legal MINIMUM amounts of liability & medical coverages on a NO FAULT basis with the funding coming from the sale of every gallon of gas, diesel and every watt of alternative power used by the vehicles for transportation.

Additional coverages (i.e., collision, comprehensive, additional liability & medical) would be available to those wishing to purchase them, but all the basic avenues for fraud are removed: you can't receive more than the legal minimum limits unless you in turn purchase additional coverages.

Of course you would not be TAXED for failure to purchase additional coverages, either. Now, something like THATwouldn't be fair, would it?


Edited by Norm Olt (07/04/12 09:29 AM)
Edit Reason: spelin
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#2673497 - 07/04/12 09:38 AM Re: Car Insurance rates by specific vehicle [Re: pbm]
eljefino Offline


Registered: 06/15/03
Posts: 26516
Loc: ME
Numb drivers flock to toyotas. No nice way to put it. Also daddys buy them for their texting teens who then don't care to avoid accidents. Watching people not handle sudden accelleration incidents with aplomb (as a mass) must frighten the insurance companies.

I would expect the numbers to be a closely guarded secret and to vary slightly from company to company. They pay lots of actuaries lots of money to figure it out. Would pay to shop around. They can give you a fairly reliable but generic quote with driver stats and car stats and not getting specific on personal info.

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#2673523 - 07/04/12 10:06 AM Re: Car Insurance rates by specific vehicle [Re: pbm]
pbm Offline


Registered: 04/19/04
Posts: 5636
Loc: New York
So I basically have to call my insurance company and get a rate for the cars that I'm considering?
You would think this info would be readily available.
What good is saving $150 a year in gasoline on Car A if it cost that much more than Car B to insure.

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#2673542 - 07/04/12 10:24 AM Re: Car Insurance rates by specific vehicle [Re: pbm]
SrDriver Offline


Registered: 12/09/06
Posts: 2590
Loc: Southeast Alabama
When you call you will find quite a difference in rates based on different vehicles.

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#2673547 - 07/04/12 10:30 AM Re: Car Insurance rates by specific vehicle [Re: pbm]
steveh Offline


Registered: 05/25/05
Posts: 812
Loc: wisconsin
We have a 08 Corolla and a 05 Altima SE. Both have the same full coverages from State Farm. The Corolla is $9.00 cheaper then the Altima for six months.

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#2673580 - 07/04/12 11:18 AM Re: Car Insurance rates by specific vehicle [Re: pbm]
rjundi Offline


Registered: 03/16/04
Posts: 7229
Loc: USA
The Cruze is really too new for them to create the "real rate". It will be volatile till they get a data build up.

Corolla's have a long history including high theft rate.

http://editorial.autos.msn.com/article.aspx?cp-documentid=434545
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#2673642 - 07/04/12 12:40 PM Re: Car Insurance rates by specific vehicle [Re: rjundi]
Volvohead Offline


Registered: 05/25/05
Posts: 3550
Loc: SE Pa
Originally Posted By: rjundi
The Cruze is really too new for them to create the "real rate". It will be volatile till they get a data build up.

Corolla's have a long history including high theft rate.

http://editorial.autos.msn.com/article.aspx?cp-documentid=434545


Winner. Its parts are far more desirable to the chop shops.

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#2673673 - 07/04/12 01:24 PM Re: Car Insurance rates by specific vehicle [Re: pbm]
Smoky14 Offline


Registered: 04/23/03
Posts: 1072
Loc: Nowhere NM
I was just checking with my agent and a Corvette is cheaper than a Camero.
Insurance Co seems to think older and more stable drivers get Vettes.
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#2673709 - 07/04/12 02:22 PM Re: Car Insurance rates by specific vehicle [Re: pbm]
javacontour Offline


Registered: 06/26/03
Posts: 8171
Loc: Illinois
Older cars have a higher rate than new because they are more likely to be totaled.

A new car is less likely to be a total loss because it's total value is higher.

A more accurate comparison is a 2011 Corolla to a 2011 Cruze. The 2008 is more likely to be a total loss because it's value is lower than the newer Cruze.
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#2673715 - 07/04/12 02:35 PM Re: Car Insurance rates by specific vehicle [Re: pbm]
addyguy Offline


Registered: 09/08/05
Posts: 13750
Loc: Canada
My buudy is in the process of trading his 2008 Cobalt SS Turbo for a 2007 base Corvette - the insurance is a LOT cheaper.

Kids wreck Turbo 'ricer' Cobalts...old executives drive Vettes.
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#2673792 - 07/04/12 03:41 PM Re: Car Insurance rates by specific vehicle [Re: pbm]
hattaresguy Offline


Registered: 06/01/11
Posts: 6124
Loc: CT
Kids drive Corollas and Civics, also they are stolen a lot.

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