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Joined: May 2002
Posts: 6,007
isaac
ECelica Admin
isaac Feb 23, 8:36am - #109623 
2001 Absolutely Red Toyota Celica GT
ECelica Admin
2001 Toyota Celica GT

Joined: May 2002
Posts: 6,007
Los Angeles, CA
CAN YOU BELIEVE IT: Vehicles with Low and High Insurance Costs

How much you pay for auto insurance depends on several factors, including your age, where you live, and what you drive. You can't do anything about your age, and few people will move just to lower their insurance premium. You can, however, choose a vehicle that costs less to insure.

full story with listings at...
http://auto.consumerguide.com/auto/editorial/advice/index.cfm/act/insure

Why Some Cars Cost More
You may want a sports car, but your insurance company may want more to protect you in it.

Insurance premiums are based partly on the price of the vehicle, which affects the replacement cost if it is stolen or "totaled" in an accident. How expensive the vehicle is to repair--including parts and labor--can also affect the cost. In addition, surcharges may apply to vehicles that are frequently stolen or involved in accidents.

Industry-wide information on injury claims, collision repair costs, and theft rates by vehicle is available from the Highway Loss Data Institute (HLDI), 1005 North Glebe Road, Arlington, VA 22201 (www.carsafety.org). According to HLDI, the lowest injury claims are from large vehicles--cars, pickup trucks, and sport-utility vehicles. Small 2- and 4-door cars have the highest injury claims, and small cars also are among the highest in collision costs, along with sports cars. If you have your heart set on a sporty vehicle, you'll probably pay dearly; insuring a high-performance car can cost two or three times the amount for an ordinary model.

Sport-utility vehicles, the hottest market segment, tend to have higher insurance rates than mid- and full-size cars. SUVs are "hot" for other reasons: They are now among the most frequently stolen vehicles, and they are more expensive than most cars. SUVs also can cost more to fix after an accident if the 4-wheel-drive system is damaged.

However, insurance companies set rates based on their own experience. If Company A has more collision and theft claims for a particular vehicle than Company B, then A will charge more for the same coverage. It all boils down to a company's actual experience with a particular vehicle or category of drivers. That is why it pays to shop for insurance.

full story with listings at...
http://auto.consumerguide.com/auto/editorial/advice/index.cfm/act/insure

...

PDI (Physical Damage Index) is for collision and comprehensive premiums.
"A" means the vehicle will be charged lower-than-standard premiums for this coverage
"B" equals standard premiums
"C" equals higher-than-standard premiums.

These premiums can be 10% to 45% higher or lower depending on a vehicle's rating.


MAKE / MODEL / VSD% / PDI
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xXMaGNuSXx
hookah-meister
xXMaGNuSXx Feb 23, 8:54am - #109624 
2000 Liquid Silver Toyota Celica GT
hookah-meister
2000 Toyota Celica GT

Joined: Oct 2003
Posts: 975
Smog City LA
Yeah I always thought cars with more power usually cost more. I was surprised to find out that a G35 or 3-series coupe actually cost less to insure than my celica! angry
Joined: Jul 2003
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xmangt1
4 All U Haterz!
xmangt1 Feb 23, 10:31am - #109625 

4 All U Haterz!
2000 Toyota Celica GT

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Posts: 1,587
Chicago, IL
Like was stated above, it also depends where you live.
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CeLlYgT04
Specialist
CeLlYgT04 Feb 23, 5:04pm - #109626 

Specialist

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Posts: 2,034
Orange County, Ca
Originally Posted by xXMaGNuSXx
Yeah I always thought cars with more power usually cost more. I was surprised to find out that a G35 or 3-series coupe actually cost less to insure than my celica! angry


Same here spineyes
Joined: Dec 2003
Posts: 1,140
Bakablo1
Specialist
Bakablo1 Feb 23, 10:11pm - #109627 
Specialist

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Posts: 1,140
Ontario, Canada
insurance... puke puke thumbsdown thumbsdown
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VSGTS14
05 WRB
VSGTS14 Feb 23, 10:30pm - #109628 

05 WRB
2005 Subaru WRX STi

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Posts: 10,123
Milford, NJ
insurance is related to a lot of things

SUBARU TECNICA INTERNATIONAL
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Evan
Rebel
Evan Feb 24, 1:34am - #109629 

Rebel
2003 Toyota Celica GT

Joined: Apr 2003
Posts: 4,658
Washington
Yep, my celica has a smaller engine than my last car yet I pay more insurance because it costs more to repair the celica (among other factors). Stupid insurance angry

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Speed4TheNeed
Caleb
Speed4TheNeed Feb 24, 9:57pm - #109630 

Caleb
2000 Toyota Celica

Joined: Aug 2003
Posts: 6,372
New Orleans, LA
i'm 20 years old, i drive an '00 gts 6-spd (worth about $13,000), have no wrecks and no tickets...

and i get extremely cheap (not exaggerating) insurance for $300 a month.

that's living in new orleans 4 u...we have the highest insurance premiums out of the whole nation. thumbsdown thumbsdown (too much poverty here)
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Evan
Rebel
Evan Feb 25, 2:48am - #109631 

Rebel
2003 Toyota Celica GT

Joined: Apr 2003
Posts: 4,658
Washington
Originally Posted by sPeEd4tHeNeEd
i'm 20 years old, i drive an '00 gts 6-spd (worth about $13,000), have no wrecks and no tickets...

and i get extremely cheap (not exaggerating) insurance for $300 a month.

that's living in new orleans 4 u...we have the highest insurance premiums out of the whole nation. thumbsdown thumbsdown (too much poverty here)


eek Good lord that's more than twice what I pay for myself and my wife on our '03. Then again, I have a gt, but it shouldn't make THAT MUCH difference.

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Eyger
Specialist
Eyger Feb 25, 7:34am - #109632 

Specialist
2000 Toyota Celica

Joined: Jan 2004
Posts: 1,168
California
Nice post Iassc. You always dig up some kind of cool reading! thumbsup

Knowing the path and choosing the path are two different things.
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isaac
ECelica Admin
isaac Feb 25, 8:22am - #109633 
2001 Absolutely Red Toyota Celica GT
ECelica Admin
2001 Toyota Celica GT

Joined: May 2002
Posts: 6,007
Los Angeles, CA
Originally Posted by Eyger

Nice post Iassc. You always dig up some kind of cool reading! thumbsup


thanks - this time, just trying to show everyone that shopping around for car ins REALLY CAN save a few bucks here and there grin

i was at $1400yr for several years with AAA (12 year member), then after one speeding ticket it shot up to $5600/yr... I quickly shopped around and found progressive to put me back in the $1900 range (the ticket was only $180 in court, but was 2 points lasting 7 years... don't ask - because you can use SEARCH to find the details)

I hope this text will encorage others to shop around and save $40+ on their ins thumbsup

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Your day really does go by twice as fast while on EverythingCelica.com
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Speed4TheNeed
Caleb
Speed4TheNeed Feb 25, 4:15pm - #109634 

Caleb
2000 Toyota Celica

Joined: Aug 2003
Posts: 6,372
New Orleans, LA
Originally Posted by isaac
Originally Posted by Eyger
Nice post Iassc. You always dig up some kind of cool reading! thumbsup


thanks - this time, just trying to show everyone that shopping around for car ins REALLY CAN save a few bucks here and there grin

i was at $1400yr for several years with AAA (12 year member), then after one speeding ticket it shot up to $5600/yr... I quickly shopped around and found progressive to put me back in the $1900 range (the ticket was only $180 in court, but was 2 points lasting 7 years... don't ask - because you can use SEARCH to find the details)

I hope this text will encorage others to shop around and save $40+ on their ins thumbsup


this post encouraged me to argue for cheaper insurance (me & my bro used to split the cost of our insurance 50/50--he on his civic and me on my celica).

since we can't realistically change our insurance policy (for our area, we have dirt-cheap insurance--plus we're kinda cheating the insurance company cause we have two temporary drivers on one policy and supposedly you can't do that--so we're not opening our mouths)

anyway, i was able to prove that my bros insurance was more expensive than mine..so now i'm paying less (from $280 to now $207) and he's paying more of it. (from 50/50 to about 66/44) thumbsup
Joined: Oct 2003
Posts: 1,154
beans
ECelica Jester
beans Feb 25, 9:50pm - #109635 
2000 white Toyota Celica GTS
ECelica Jester
2000 Toyota Celica GTS

Joined: Oct 2003
Posts: 1,154
Philadelphia, PA
Originally Posted by isaac
Originally Posted by Eyger
Nice post Iassc. You always dig up some kind of cool reading! thumbsup


thanks - this time, just trying to show everyone that shopping around for car ins REALLY CAN save a few bucks here and there grin

i was at $1400yr for several years with AAA (12 year member), then after one speeding ticket it shot up to $5600/yr... I quickly shopped around and found progressive to put me back in the $1900 range (the ticket was only $180 in court, but was 2 points lasting 7 years... don't ask - because you can use SEARCH to find the details)

I hope this text will encorage others to shop around and save $40+ on their ins thumbsup



OMG 5600/year?

Holy Snizzle

Is that because you live in cali? I have a couple of speeding tickets, more than a couple
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