Quote:
Originally Posted by soundman98
he's not talking about the insurance crash rating, he's talking about the monthly insurance premium.
color really doesn't play much of a part in insurance either.
as an example-- in 2014, when i started looking at a new car, i was comparing the brand new 2014 brz vs. a 2008 infiniti g37 coupe. the infinity was about $200 more per month to insure over the brand new brz.
as a new driver, sports cars are generally always going to carry a cost premium over a more 'boring' vehicle like a tacoma or rav4. important considerations.
the 86 is a great car, as long as you pay attention to it, it can teach you something. they're a riot in 3" of snow with snow tires, but they do count as a sports car, so insurance will likely be higher.
trucks are, well, trucks. with no weight over the rear axle, most tend to have a strong desire to want to make the rear swap ends with the front in slippery conditions--not great for a new driver.
i would highly recommend a ford ranger as a first vehicle if you're looking at the tacoma. they're relatively simple reliable trucks, and much of the parts are interchangeable from 1998-2011, making it extremely easy to get parts. if you look at the flare-side version, they generally carry a $2-4k discount due to the bed being narrower-- they can't carry a full 4x8' sheet of material flat, so no one wants them for typical truck duties.
the extended cab/access cab trucks are going to be the ideal version-- most want the 4-door version, which will tend to have better road manners, but commonly suffer from the shortened 5' bed. the extra seating in the 4-door version will likely carry higher insurance premiums.
i would be careful of any 2nd gen tacoma running that close to $10k though. most tacoma's don't drop below $15-20k until they're almost entirely used up.
i don't know anything about 4runners except they're generally priced high(toyota tax), and they have a ton of cargo space in them...
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Talking with my parents, the crash rating affects the premium because, well they have to pay more in a wreck (more injuries, worse damage, etc.) and the color plays a big role in our insurance. to put it into perspective, both my parents, with clean driving records, had 1993 Silverados. One was red, one was silver. The red one was an extra $100 per month because of the "color tax." Doesnt make sense to me because its harder for someone to hit you in a bright car than a dark one, but it is what it is.
Yeah, ik its going to be a bit more also, but thats alright.
Ive never been a big truck person for that reason exactly, but the price (here at least) is different, i can easily fin 15 2nd gen Tacomas with 100-150k miles where i am because they are so common.
As for the ranger, im an active lover of everything EXCEPT for Ford and Lincoln (personal experiences and opinions) But i actually changed that again (other than the 86 trio) to be manual hatches, wagons, convertibles, coupes, and sedans so ill edit that portion out of my question to avoid confusing future posters.