[speaker1004]

hi i had a really quick question. my parents want to get me a new car, but they say not a two door because insurance classifies it as a "sports car"? is this true? and if so, how much more is the insurance? (its a used accord coupe, btw)

also, what do insurance companies base pricing on? i heard its experience, color (?), engine, and ... what else? thanks!

[CatGoesMeow]

hi i had a really quick question. my parents want to get me a new car, but they say not a two door because insurance classifies it as a "sports car"? is this true? and if so, how much more is the insurance? (its a used accord coupe, btw)

also, what do insurance companies base pricing on? i heard its experience, color (?), engine, and ... what else? thanks!

Your Age, your driving exp. That right there will spike your premium..

[BabyK]

I remember my mom telling me that the police and insurance companies really look out for red cars, usually sports, how old the driver is and if it's a 2 door it's more costly.

[MsKrnDoll]

a two door is classified as a coupe so yes this will increase your insurance..that along with your age and driving record/experience.
also the year of your car and the things that are equipped with it like ABS brake system, side air bags, alarm, ect.

[hksinglaw]

brand of car is a factor also.
coupe will definitely be one thing to consider its gonna be more expensive and dont forget ur years of driving experience
but i never heard about color , i dunt think it matters?
mine cost around 3000 something ... a year its tough break haha and its a sedan

[PoppinBC]

RX-8 = family four door vehicle because of the half-doors at the back. So technically that isn't a sports car... But anything with 2 doors only is considered a 2-door sport.

Other factors:
Male or Female (female accidents are MUCH more expensive statistically, but men have more)
Age (costs lower at around 22 or so)
Family history (most don't know this, if you use the same insurance as your family and your family wrecks a lot, you pay more)
Vehicle safety ratings
AAA Service
Curtain airbags (my insurance dropped about $80 a year for them... and it was a $65 upgrade)
Spoiler - higher cost
Cosmetic "sport" models - much higher cost
Front Passenger Safety
Fender material (plastic fender or metal... plastic means cheaper insurance)
Origin of vehicle - European is sometimes higher, US means monstrously higher insurance, Asia (Honda, Toyota, Mazda, Subaru) have much better general insurance

Those are some of the factors in there... If you want a sporty looking car with body molding and such, if you put it on after purchase, it won't raise your insurance as much as getting the cosmetic sports package. Corolla insurance for me would go up around $90 a year for the cosmetic package; adding it on after purchase would add no cost. But I didn't get a Corolla =P

[sto0pidassgrl]

im thinking of getting a honda pilot..and is that considered to be a suv?? so would the insurance be high also??

[tbkonwso]

im thinking of getting a honda pilot..and is that considered to be a suv?? so would the insurance be high also??

mostly depended on years of driving , your age + your driving record. honda pilot IS considered a SUV by insurance.

18-25 = your insruance will be high...
26-30 = start to decrease
31+ just gets cheaper and cheaper.

[Stitchie]

age is not really a factor
experience matters # of years your licensed
driving records..
get one of your parents or someone who have good driving records..even if your newbie.. your insurance is less expensive
brand matters( 98 bmw cost more than 08 honda pilot..)

[Laxntiga]

Age and Experience are the biggest. If you go liability it's pretty cheap. I pay about $50 bucks a month for insurance. If prepay for the whole year in advance I get a couple bucks off. I dont recomend getting liability unless you are driving a car that has almost no $ value (imo, under 4k).

[kelvin6]

As for liability only, make sure you get a decent amount of coverage. I almost had to sue some kid who crashed into my car and three others to get compensation for damages. That kid had only $25K in damage liability and after causing damage to four cars, he barely had enough to cover the damages (and very close to not enough). I was placed in a position where if the insurance company didn't cover enough, I would have to sue him for the remainder. You don't want to be sued... get a decent amount of coverage. Once I start my career, I plan to up my property damage up to $100,000 at a minimum due to the fact that my current $50,000 isn't gonna cover much of anything out there (lots of expensive cars in my neighborhood)....