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Ok so what are these cars labeled as Insurance wise i would think like civics as compacts but one insurance company is telling me there sport cars which i dont think is true.<P>so what are they i was thinking Compact?

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:</font><HR>Originally posted by Mnemonic:<BR><STRONG>Ok so what are these cars labeled as Insurance wise i would think like civics as compacts but one insurance company is telling me there sport cars which i dont think is true.<P>so what are they i was thinking Compact?</STRONG><HR></BLOCKQUOTE><P>Insurance companies do not rate cars in categories like that. Vehicles are broken down into insurance rating groups (IRGs). A vehicles IRG is developed by taking the replacement cost of the veh, theft ratio, comprehensive claim ratio, veh safety rating. Once an IRG is composed, insurance premium is calculated by figuring in age, driving history, driving record, weekly/yearly mileage. These figures are computed and thats your premium <P> . The IRG for a 1994 mx-3 GS is 19, which is comparative to the 6cyl mustang, eclipse rs, and cavalier z24 of 2002. The 2002 honda civic ex is rated a 21 because of the safety features added. a 1994 civ EX is rated 23, which is equivalent to the mustang GT. Its rated so high because of its theft and comprehensive claim rate.<P>ah the joys of bein an insurance agent

so is it a sports car then?<BR>cause im not cheap or anything but its a big diffrence in price he he he and lord knows ive argued with this insurance company before about cars and won of cource every time i switch cars they tell me its a sports car a 91 golf isnt a sports car!

My insurance company considers my 1993 mx-3 a compact car, which makes the insurance a whole lot cheaper.

My ins considers my car a sports car. Before I was 25 I paid 383 every 3 months. After I was 25, it went down to 363 every 6 months. My GS is 120 every 6 months for liability (roughy~20 a month). Thats the rate for a single male with a perfect record.

well im only 20 about to be 21 so i still have the luxory of using my parents insurance but i wanted to make sure that it was actually a sports car cause this insurance company has screwed us before plus they said insurance would go to 900 a year

i'm 16 (almost 17) with my own policy through the state (only people who approved me) and i pay about 150 a month for liability. perfect record.

man i'm 18 and i pay roughly 60 a month for full coverage and my stereo is insured. who do you guys have ins with? I have state farm<p>[ September 23, 2002: Message edited by: valkyire ]

For sale forum?<P>Off topic we go!

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:</font><HR>Originally posted by valkyire:<BR>[QB]man i'm 18 and i pay roughly 60 a month for full coverage and my stereo is insured. who do you guys have ins with? I have state farm<BR>QB]<HR></BLOCKQUOTE><P>Well it depends A LOT on where you live. (Major urban area=screwed) <P>And, I venture to say that if you pay $60 a month for full coverage, it's not very good coverage. Bare legal minimum insurance and huge deductables are sometimes more of a ripoff than higher priced policies.<P>Also, if you live with your parents, you benefit from that and possibly from being a student as well.

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:</font><HR>Originally posted by valkyire:<BR><STRONG>man i'm 18 and i pay roughly 60 a month for full coverage and my stereo is insured. who do you guys have ins with? I have state farm<P>[ September 23, 2002: Message edited by: valkyire ]</STRONG><HR></BLOCKQUOTE><P>females have alotlower insurance than males.<BR>Which I think is completley unfair. We only drive fast to impress you and run redlights looking @ the girls beside us.

Sonicxtacy02 are the 4 cylinder cars rated differently than the 6?<P>one

yes, they are slightly higher, due to the cost of replacement is higher as well as the v6 engine boosts it up a bit more.

This topic moved to general forum.