Check with you insurance Co.
 

I haven't posted here in a long long time. Mainly because I got rid of my civic and bought a WRX. Really no reason to post in a civic forum after that. BUT...I did want to let you know something I found that I thought was very peculiar. When I called my insurance company to get quotes for cars I was very suprised. I got quoted for a Lexus IS300, the WRX, and an EVO (granted I never planned on getting an EVO becuase I don't like the looks..but I was curious) Anyway the Lexus was $7 more a month than the civic. However the EVo and the WRX were both $16 LESS a month than the civic. I was like WTF???? According to my agent the subaru is a safer car in an accident...plus there are less subaru thefts than civic thefts. Now granted I am 29 with only one ticket...so I don't know if this will hold true to the younger people here. But It's something I thought I would share. Especially for people who are on this site thinking about buying a civic because they are "inexpensive cars" Also my car was 02 EX 2 door. I also found out that the EX is rated the same as the SI. I have meridian insurance (subsidary of State Auto...no not 1-800 safe auto:) ) They might rate things a little different than say the worst insurance group of all time (in my opinion at least) progressive.

Just thought I would share.

That's interesting. But it is arguably understandable about the high rates for Civics.

I was going to get a 2-door civic, rates were 1800/yr cdn, opted Acura EL sedan, 1500/yr cdn, I'm 23.

That makes no sense at all.

the subaru is NOT safer than the civic in a crash. the civic has 5 stars all around for every impact, just like every honda does. the subaru and civic are equally safe when it comes to their safety ratings.

theft rate, yes the civic probably is higher, which is only one possiblity why it would be higher.

however, the WRX is a turbo sedan. if your insurance company is charging you less money to drive a turbo $25,000 import than a non turbo economy $17,000 civic, then you are lucky or they were simply raping you on your civic coverage.

my guess is the latter of the two. in case you didnt realize, agents make money off commission. they are given a base rate by the insurance company, and the agent can add on to that as much as he wants in order to make more money.

i gaurantee though, just about everyone here could call and get a quote for both a civic and a WRX and the civic will be cheaper to insure.

Why is the 4 door civic called an acura EL in canada??? Makes no sense to me!

Cuz its badass.

its not called an EL..
We have vics sedans, but the Acura EL is a sedan EX with leather and all this other crap...
to make a long story short.. its a Sedan with EX and a slightly diffrent look. but same frame and interchangable parts...oh and rear discs ...

The civic costing more insurance-wize makes a little sense. A significant population of Civic drivers mod their cars and wreck them the same day. And civics have been known to target the 16-24 range. The insurance companies just decided to push the cost of insurance on civics up because of this. Theft is also another big reason.

I don't know if this applies to the topic...but my friend [19 year old spoiled s.o.b. =)] went from a 2001 Honda Prelude SH (manual) to a 2005 Subaru WRX (manual).
He saves $1000 a year with the exact same coverage.

Much of it probably has to do with him going 2 door to 4 door, but to gain performance and still save money is messed up lol.

Actually the majority of civics are owned by men/women in the 25-45 range. They are owned mostly by early/middle aged people.

I did a quote for the STI and Evo about 5 months ago, and it was roughly $200 more a year for both of those cars compared to my vic. So like $16.00 a month more to drive the EVO or STI.

In the greater toronto area, the civic ex is rated the same as the si, which is really hurting for insurance :( mostly since the si is rated as a sports coupe causing rates to sky rocket. :(

Hmmm . . . . . .quite interesting. When I had my WRX, it was a 2004 San Remo Red. Im 20, single male, insurance was $403.20. Sold it and went back to my 2002 EX in Titanium, and insurnace is $340.36. Those might seem high but I also have 4 points on my record currently, 1 falls off this year, 2 the next.

All these numbers were done with the following. Single 25 year old male living in Lafayette, Louisiana. Lease the car, 0 traffic violations, and living in an apartment.

2005 Civic EX Coupe - $330.90/month
2005 Civic EX Sedan - $299.73/month
2005 Civic Si - $291.23/month
2005 RSX-S - $338.41/month
2005 Mustang GT - $380.41/month
2005 S2000 - $373.91/month
2005 WRX sedan - $318.57/month
2005 WRX wagon - $306.40/month
2005 WRX STi - $343.91/month
2005 Evo - $413.59/month
2005 NSX - $444.59/month
2005 M3 coupe - $387.25month
2005 911 Turbo - $486.10/month
2005 Neon SRT4 - $326.57/month
2005 SRT10 Viper - $587.12/month

2003 Cobra - $413.42/month

2000 Camaro Z28 - $395.92/month
2000 Civic Si - $327.07/month
2000 GSR - $423.59/month <-- :eek:
2000 Type-R - $432.42/month

1995 Supra TT - $439.09/month <-- :rofl: :rofl:
1995 RX7 - $383.75/month
1995 300ZX - $409.59/month
1995 Mustang GT - $345.41/month

geez are you gettin raped.

i'm a 25 year old male, living in wisconsin in an apartment, single, no traffic violations. 100,000/300,000 for coverage, full coverage, including uninsured and underinsured motorist. 500 collision deductible, 100 comprehensive deductible.

I pay $97 a month for this coverage on my 2002 Honda S2000.

^ $$$.$$ PER month? thats freakin too much!

O_O maybe its just progressive

go to www.acura.ca and look it up. we're special up here. :)

are you guys talking about full or half coverage? I am 20 and my 03 lx sedan is $600 a year for half coverage.

hey dalaw, if you have a half coverage on almost a new car (2003) and you are responsable in a crash, do you know that you'll be paying for your vic without having it?
If I'm wrong, let me know...must have missed something.

Im a 17 year old male, living in Los Angeles in an apartment, single, 2 traffic violations, full coverage...bunch of other bull, 0 collision deductible, 0 comprehensive, 45.00 a day for rental car.

I pay 251.94 cents a month and its on my 2002 Civic EX Coupe. WITH side airbags and Lo Jack.

21st Century :shrug:

doesnt insurance matter too if the car is used or not??

Chuckle..I'd say your the one getting raped...I pay about half that for the WRX. Thats 100k /300k including un/underinsured, 100 collision and 50 comp deductible.

Like I stated...all insurance companies are different...when I was quoted by progressive (who in my opinion is the kind daddy of butt rapers) they wanted like 6,000 a year for the same coverage..on my bike they wanted 9,000 a year..hell the bike only cost me 9,000 I hate progressive.

well i'd say you got a deal on your WRX then. and i am willing to bet no one else in the country would be able to get coverage like that.

I think it's more that I'm older and have multiple policies with the same company.

yeah that could make a difference. i can see that now.

dont suppose you could humor me and find out a quote on what your insurance would be for a 2003 honda S2000? I'm curious. lol

Is it used as the main transpo or pleasure? That's another reason mine is so low..I have it listed as a pleasure vehicle...since I use the work vehicle most of the time. I'll ask them....I think they hate me...because I call about once a month to get quotes on different things I'm interested in. Ohhh well..that's thier job right?

Yeah, but full coverage is only good if the car is stolen or if the car suffers from a serious damage. Plus, claiming the insurance makes the premium go up. Over a couple years, i would have save up thousands of dollars, enough pay for a repair, if the damage is not very serious. Yes, it is a risky bet, so I am driving really carefully and hope I wont get into a crash.

ah there is your difference. when i had the S2k as a pleasure vehicle and not my only main vehicle, the full coverage on my S2k was $38 a month.

i know the told me it was one of the highest rates