[Rampage]

Originally Posted by Quentin

Yup, it really comes down to how often it is wrecked and how much it costs to right things (fix the car, pay the medical bills, damages, etc.). Cars driven by people that regularly wreck, spectacularly, get higher rates. The capability of the car is maybe considered for the base rates, but the rates are quickly pulled into matching the actual condition once the insurance companies get some data. If we all drove the speed limit, wore our seatbelts, and somehow got hypnotized into thinking more like women as far as our risk taking, twin rates would be no different than any other $25k car.

That must not be happening. My son has his FR-S insured through State Farm. He is 24 and has never had an accident or ticket yet last month his insurance rates went up $10 per month. The explanation from State Farm was that the car was reclassified to a higher risk level.