Quote:
Originally Posted by Tcoat
This ^ This is all it comes down to. No trying to fool the insurance companies. No 4 seats means you are a more responsible driver. No profiling the "normal" buyer of a car. It all comes down to cost of the vehicle. It is so simple I don't understand why it is such a prevalent myth.
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I guess I should expand on the bit where I mention the people who buy just the 2 seaters are a higher risk group because it IS a factor in the rates but not in the way I think you are reading what I wrote.
Basically insurance rates are calculated by perceived risk vs expected costs and it's all based on statistics. If they see that the 2 seaters end up in a statistically higher incidence rate than the 2+2, then that drives up the expected cost to insure that version of the car and rates will increase for anyone who wants one. Now, why would the 2 seater tend to end up in more accidents? Typically because the people who buy them are higher risk to begin with.