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      08-21-2007, 05:46 PM   #23
atr_hugo
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Also remember - the agent looks at where you live - the likelihood that the car is popular with thieves and your commute. Oh and how big your agent's balloon payment is for their vacation house . . . ; -)
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      08-21-2007, 05:46 PM   #24
WolfsburgerMitFries
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I'm surprised nobody has linked to this yet....insurance companies publish their vehicle ratings. Here's a picture of the full BMW lineup from State Farm.

http://www.statefarm.com/insurance/a...rating/bmw.asp

Actually BMW vehicles are generally rated very well (read that as tending toward cheap to insure). Also notice convertibles score better better than their hardtop counterparts. My agent said that for whatever reason convertibles tend to be in less wrecks, he thinks the reason is the drivers feel less protected and drive more carefully.

Believe it or not, its the econoboxes that get hammered with poor ratings and higher rates. Look up a Civic, Scion tC, Rabbit, Altima. They are all rated very poorly. Basically everything you'd find on a college campus = higher rates.

Here's the Honda lineup for example, look at how a Civic coupe is rated.
http://www.statefarm.com/insurance/a...ting/honda.asp

Same pathetic rating for a Scion tC
http://www.statefarm.com/insurance/a...ting/scion.asp

Whereas a 3 series convertible gets an almost perfect rating.

There is hidden costs in being poor, higher car insurance premiums is one of them. You can quote me on that.
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      08-21-2007, 06:18 PM   #25
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Quote:
Originally Posted by WolfsburgerMitFries View Post
I'm surprised nobody has linked to this yet....insurance companies publish their vehicle ratings. Here's a picture of the full BMW lineup from State Farm.

http://www.statefarm.com/insurance/a...rating/bmw.asp

Actually BMW vehicles are generally rated very well (read that as tending toward cheap to insure). Also notice convertibles score better better than their hardtop counterparts. My agent said that for whatever reason convertibles tend to be in less wrecks, he thinks the reason is the drivers feel less protected and drive more carefully.

Believe it or not, its the econoboxes that get hammered with poor ratings and higher rates. Look up a Civic, Scion tC, Rabbit, Altima. They are all rated very poorly. Basically everything you'd find on a college campus = higher rates.

Here's the Honda lineup for example, look at how a Civic coupe is rated.
http://www.statefarm.com/insurance/a...ting/honda.asp

Same pathetic rating for a Scion tC
http://www.statefarm.com/insurance/a...ting/scion.asp

Whereas a 3 series convertible gets an almost perfect rating.

There is hidden costs in being poor, car insurance is one of them. You can quote me on that.
Interesting links, but the BMW page doesn't even include the 328 or 335!

-Ryan
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