Quote:
Originally Posted by Tcoat
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.
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Might it possibly be a historic thing?
Say in the 70s or something when things were less data driven and a bit more on the empirical, there might have been more truth to this 2+2 insurance stuff and the "legend" lived on sort to say to this day?