the 240 rates arent too bad, if you are worried about insurance, dont get a red one. The 240 is really not a sports car, its a sports coupe, a sports car would be like an mr2, s2000, supra, rx7, ect something without the 2 insurance-saver-seats behind you (I mean really.. thers no room for anything but a short midget, or possibly an average height dwarf back there.)
Oh, and next time they call the 240 ugly just say, "IM RICK JAMES BEOTCH" and let them enjoy a nice conversation with your fingers.
insurance
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masticatingcow
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Actually, most, perhaps not ALL, insurance companies in the US are concerned with the color of your car. Statistically, red cars are pulled over more and are in more speed-related accidents than any other color. Therefore, you usually have to pay a premium on a red car due to the silent expectation the insurance company has that they'll have to bail you out more often.BadMojo wrote:Eh? It doesn't matter what color your vehicle is. Your insurance company knows the VIN, not the color.
Yeah, it's bullsh1t... but that's how America works... on statistics, not facts. I remember hearing that in Germany, your insurance goes up according to your power-to-weight ratio... which I think is a little more justified. But still, that's the game you have to play...
Note: I don't think the premium goes up TOO drastically for a red car. I've never driven (or much less owned) a red car, so I could be wrong. But that's how I understand it.
I work in the insurance industry, and I'd be shocked to learn that an insurance company actually knows the color of your car and uses it for rating purposes. Did you include the color of your vehicle when you filled out the application? If not, the company doesn't know.
Whether the statistic exists or not, I've never heard of an insurance company actually filing rates based on color of vehicle. I doubt any Insurance Dept. in any state would approve that...it would, politically, be just too tough of a pill to swallow, statistics or not.
Perhaps I'm wrong, but I've never heard of color of vehicle used in rating.
Whether the statistic exists or not, I've never heard of an insurance company actually filing rates based on color of vehicle. I doubt any Insurance Dept. in any state would approve that...it would, politically, be just too tough of a pill to swallow, statistics or not.
Perhaps I'm wrong, but I've never heard of color of vehicle used in rating.
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masticatingcow
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masticatingcow wrote:That's bizarre, BadMojo... everyone I know "knows" about the insurance thing with the color of your car. Perhaps we're all off? (No sarcasm... it's possible!) It's worth checking out... hmm...
It's possible that the statistic exists, and is valid, but I really doubt that an insurance company could "sell" that one. Besides, you'd have people claiming that their car is burgundy or auburn, instead of red.
Anyway, the main problem I see with the color thing is that it's hard to quantify. Insurance companies can gauge things like credit history, driving record, etc. but it could be difficult to define what's actually "red". Does a reddish-brown get the same rate as brick red? Does an orange-ish red get the same rate as a candy apple red? If insurance companies rated vehicles based on color, I don't think you'd ever see a manufacturer make a car in a color with the word "red" in it ever again.
Anyway, I could be wrong about this but I really don't think so.
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bainsstatic
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C-Kwik
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masticatingcow wrote:Actually, most, perhaps not ALL, insurance companies in the US are concerned with the color of your car. Statistically, red cars are pulled over more and are in more speed-related accidents than any other color. Therefore, you usually have to pay a premium on a red car due to the silent expectation the insurance company has that they'll have to bail you out more often.
Yeah, it's bullsh1t... but that's how America works... on statistics, not facts. I remember hearing that in Germany, your insurance goes up according to your power-to-weight ratio... which I think is a little more justified. But still, that's the game you have to play...
Note: I don't think the premium goes up TOO drastically for a red car. I've never driven (or much less owned) a red car, so I could be wrong. But that's how I understand it.
I owned a red car. Insurance was just as much as any other car. But statistically, you are more likely to get tickets in a red car. Or anything that is more visible and gets attention. Mor tickets leads to higher rates. I had more tickets in my red car in one year than I do total for any of the other cars I've owned. But no more accidents than in any other car. Car color doesn't dictate your driving habits. Actually, last I checked, I don't even think they ask for the car color.
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bainsstatic
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alright, sorry to resurrect this thread from the grave... but i have an "update" of sorts...my father took it upon himself to "ask the lady again" what the insurance prices were... the lady wrote these down:98 Honda Civic LX - $919.1898 Honda Accord LX - $919.1898 Toyota Corolla - $892.08so i got ultra pissed off and asked him where the ***** (yea i wish i had cussed.. but sadly no, i did not really) the price for the 240sx was... and he's like "we can't afford it".. im like "give me the priiiiicce!!!!!!" so he's quiet for like a few seconds... then he says $1500.1. does that figure sound right to you guys?2. i still think he's BS'ing me... but i will see what you guys think...3. if that IS TRUE, then $500-$600 more per year for a 240 is worth it to me... i'd rather like what i drive and pay extra than not like what i drive...p.s. thanks for all the input so far
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masticatingcow
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Yeah, so your rates CAN go up, but not for any special reason. Thanks for the clarification!
I don't know if your dad is BSing you or what. Maybe he is, and maybe he isn't. Fact is, if your parents are set on you not having the car, you won't get it. Why? "Their roof, their rules." Insurance costs may just be a "reason" that you won't. I know you had your heart set on the S14... what about an S13? The cars are older, have lower BB values, and can probably save you some cash on insurance rates.
I hate to sound 15 years older than I am, (I'm 20, BTW), but I had to drive an 86 Nissan Pickup for a couple years before my parents even entertained the idea of a different car. It was "my inherentance". Looking back, it wasn't so bad. It made me really appreciate what I didn't have (power, AC, music, comfortable seats, etc) more. When I got my 240sx, FINALLY, it was like a dream. I can't tell you how much of a sucker I would've been when I bought it if I wasn't buying with a friend. Still, after 2000 bucks of repairs and maintenance, I love the damn thing. And a piece of me knows that I owe it to that truck. (Which, in time, I grew to love as well... mostly for it's ghettoness and virtual "unstealability"... hehe, basically, "who would want to steal it?" LOL) But... you know, what "bought" me the 240 was getting up and moving out.
I wouldn't get all riled up about it... to put it in perspective... I'm paying 400 a month in rent, another 100 in utilities, 100 on food and stuff, and probably 50 on misc. stuff that comes up, EACH MONTH. So I'm paying 650/month plus the cost of gas, insurance and the occasional maintenance on my car just for the right to own and drive it (aka NOT live with the parents and siblings.) Every now and again, I wonder if I made the right choice... then I get in my car to pick up my girlfriend for the night and remember... YES.
So, if you're like me, and the 240sx is part of that ubiquitous "dream", it's worth waiting for.
I don't know if your dad is BSing you or what. Maybe he is, and maybe he isn't. Fact is, if your parents are set on you not having the car, you won't get it. Why? "Their roof, their rules." Insurance costs may just be a "reason" that you won't. I know you had your heart set on the S14... what about an S13? The cars are older, have lower BB values, and can probably save you some cash on insurance rates.
I hate to sound 15 years older than I am, (I'm 20, BTW), but I had to drive an 86 Nissan Pickup for a couple years before my parents even entertained the idea of a different car. It was "my inherentance". Looking back, it wasn't so bad. It made me really appreciate what I didn't have (power, AC, music, comfortable seats, etc) more. When I got my 240sx, FINALLY, it was like a dream. I can't tell you how much of a sucker I would've been when I bought it if I wasn't buying with a friend. Still, after 2000 bucks of repairs and maintenance, I love the damn thing. And a piece of me knows that I owe it to that truck. (Which, in time, I grew to love as well... mostly for it's ghettoness and virtual "unstealability"... hehe, basically, "who would want to steal it?" LOL) But... you know, what "bought" me the 240 was getting up and moving out.
I wouldn't get all riled up about it... to put it in perspective... I'm paying 400 a month in rent, another 100 in utilities, 100 on food and stuff, and probably 50 on misc. stuff that comes up, EACH MONTH. So I'm paying 650/month plus the cost of gas, insurance and the occasional maintenance on my car just for the right to own and drive it (aka NOT live with the parents and siblings.) Every now and again, I wonder if I made the right choice... then I get in my car to pick up my girlfriend for the night and remember... YES.
So, if you're like me, and the 240sx is part of that ubiquitous "dream", it's worth waiting for.
... but thats stolen and now recovered stripped 
dabum wrote:The cheapest insurance quote i found was 490 bucks a month for my 92 240sx, ive never been in an accident, i dont have anytickets, also ive completed a drivers course but im 18. Government nd Insurance our the biggest scammers in the world.
It's all in the statistics, man. Unfortunately, depending on where you live, insurance rates for younger males can range from high to really ****ing high.
Believe me, if there was a way that an insurance company could offer the lowest rates in town for younger drivers and not lose their shirts financially, they'd do it in a second.
The only advice I can give is make sure you keep your record clean and talk to your insurance agent to make sure you're getting all of the vehicle and driver discounts you deserve. Also, don't be afraid to shop around a bit for insurance. Sometimes you *can* find an insurance company whose rates are a lot cheaper than the competition...the rates might not always stay that way, but it might be worth switching anyway.
i wish insurance companies based their prices on driver record/history. so everyone starts out with a low rate when they first get their liscense and the rate would increase whenever you get a ticket/sitation. i dont like how i have to be punished with high insurance rates because the majority of the ppl with the same sex/age drive recklessly. even if i do drive pretty fast i think i shouldnt have to pay high rates until the insurance company can prove i am at risk from my driving record/history.