Quote:
Originally Posted by Lynxis
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 affected 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, which is what I meant when I said that people interested in it are from a higher risk group.
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I agree with all that you wrote. It is the other posts that ignore the rates are based on hard stats and just assume that because it is coupe then everybody that buys one are automatically considered a higher risk.
The driver risk groups are totally separate from the car model risk groups. That is why I pay $400 a year while an 18 year old dude next door with 2 accidents and 12 tickets pays $6,000.