View Single Post
Old 02-27-2014, 01:59 PM   #65
fatoni
Senior Member
 
Join Date: Apr 2011
Drives: miata, mazdaspeed protege, ls430
Location: socal
Posts: 4,416
Thanks: 599
Thanked 1,443 Times in 787 Posts
Mentioned: 28 Post(s)
Quote:
Originally Posted by DoomsdayJesus View Post
I just did. I posted an article with sources. And saying the Miata is the least expensive sports car to insure is like saying I bought the least expensive Rolex. It is more expensive than fleets of other vehicles, just less than other sports cars. Do you know why? Read your own article:


So the 54 year old women and others who buy Miatas drive down AVERAGE insurance rates. Not to take away form the car, I like them and admire their performance. But average rates are not remotely close to what a 17 year old male will be paying on a brand new or even slightly used Miata. If you're trying to say otherwise, you are 100% wrong.



And look below:



What does that list tell you? People who drive those cars (especially WRXs) have a tendency to produce expensive crashes. People who drive Miatas do so much less often. So as much as prices are driven by design, they are also driven by demographics, which I mentioned earlier. Whether you like to admit it or not, performance tuners, racers, and enthusiasts are not the largest demographic for Miata buyers. WRX and other cars on the most expensive list, that's not the case.


When Fatoni doesn't link to self-defeating articles maybe I will. And the S2000 may be cheaper for the same reasons I listed above; if you're 17 and male though, it won't be. Anecdotal evidence is useless in comparing insurance prices. I'd like to meet the insurance adjuster who seriously considers an argument like "Well my friend drives the same car and he payed this much." I have to keep an eye on my soldiers' finances as part of my job, and every time one of them wants to go buy a sports car, I tell them the same thing. Get an insurance quote. Half the time they end up reconsidering because that 350Z that one of my specialists insists on driving costs him over $200 a month to insure. The ones who don't usually end up bitching about never having money because they just think monthly payments without actually budgeting for all of their expenses. Insurance is ALWAYS a case of YMMV.


Like I said, you can throw out whatever argument you want, but in the end the insurance company is going to laugh straight to the bank on a 17 year old male buying a 2 door 2 seat convertible roadster. I'd like to see his insurance quote saying he's paying anything remotely close to $1015 a year. He won't be by a long shot. The only thing possibly driving it down would be if he was on his parent's policy. I'm sorry to let hard facts and common sense get in the way of a good argument.
i think you are acting excessively stubborn. what part of my argument was self defeating? the link i posted showed that the miata was the fifth least expensive car in terms of losses for insurance companies. i took a look at the sourced in the article you posted and found nothing regarding the miata. what the author wrote was an opinion not based by facts. using the 350z as an exmple is not making a strong case. im pretty sure its the deadliest car in america. it has no correlation to the miata.
fatoni is offline   Reply With Quote