Quote:
Originally Posted by Tigranakert
Will someone explain to me how insurance works then? For all I know, all the cars my family and relatives have driven have gone down in insurance costs over time due to no accidents and if gone up, it was due to whatever reason, not being other people crashing that car. I'm talking about more than 30 different car models here... What does my driving have to do with how you drive your car? The cost of repair will raise your insurance? (Rhetorical)
Please Explain.
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Certain models of car are more expensive to insure than other models; you can't compare yourself to JimmyBob in Iowa. Compare yourself to someone VERY similar to yourself (driving record, income, location, etc.) and then look at your insurance costs. Suppose you drove an Evo and comparison person drove a base Honda Civic; your insurance is gonna be hella more expensive. Isolate variables so that the only one that's different is the vehicle and it becomes clear why some cars are more expensive to insure. Yes, some of the more expensive cars to insure are regular every day cars; that is likely because there are SO many of them that the sheer number of accidents makes them expensive to insure. Take a low volume car in comparison (Evo, Mustang GT, etc.) and it's clear why they're more expensive than if you had a different car.