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Old 12-08-2007, 11:09 AM   #1
wopgenius
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2008 Hyundai Elantra

Default insurance high b/c car is unsafe??

My latest 6 month insurance totals 1,078 dollars. I am 24 yrs old and drive the 2.5i. I asked why it was kind of high and they said it was due to the vehicle itself...mainly the safety or lack there of. I was under the impression that the impreza is a very safe car. just wondering what you all think about this? anything I can do?
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Old 12-08-2007, 11:18 AM   #2
Subie Gal
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1) i'm assuming you are male

2) you are under 25 years old

3) subaru has an excellent crash rating... and has for years.
Here's the latest:
http://www.iihs.org/ratings/ratingsbyseries.aspx?id=349
someone is pulling your leg on this one

your insurance will drop when you're 25.....
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Old 12-08-2007, 11:20 AM   #3
big16gwrx
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you should shop around..... that price is verry high!!!
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Old 12-08-2007, 11:26 AM   #4
mac35
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Depends on your coverages as well. If you have really high liability limits and low deductibles your premium will be much higher than it would be otherwise. A 2.5i isn't considered to be a high risk vehicle so they are BSing a bit on that one.

Once you turn 25 it will drop as well, and you didn't mention your accident/ticket history so that may play a factor.
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Old 12-08-2007, 11:54 AM   #5
wopgenius
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thanks for the thoughts! i didn't mention my accidents/tickets cause i don't want to jinx myself but so far I have none. I am not as concerned with the price, just with the reason they gave me....as I know how safe my car is supposed to be with all its great ratings and such.
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Old 12-08-2007, 12:01 PM   #6
Kiel
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It's not so much that the car isn't safe (it is safe) but the track record for Imprezas seems to dictate that every other one will end up making love to a tree or a house. At 12mph.

Shop around. Try State Farm.
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Old 12-08-2007, 12:04 PM   #7
greg donovan
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what is your deductable?

you are a under 25 year old male in florida so your insurance is going to be a bit high. but the unsafe comment doesnt make sense.

i would look into some quotes from other agencies if i were you.
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Old 12-08-2007, 12:13 PM   #8
Suber Krout
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I call BS. Pull up the safety ratings and hand them a copy.

http://www.consumerreports.org/cro/c...htestvideo.htm
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Old 12-08-2007, 03:33 PM   #9
Uncle Scotty
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....tooo many kiddies crashing them and LIVING....THAT is the issue.....crash and die = less $$$ the insurance companies have to pay out....crash and live = more $$$ the insurance companies have to pay


dying costs less
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Old 12-08-2007, 04:19 PM   #10
PropBoyBlu
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^^^What he said.
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Old 12-08-2007, 05:44 PM   #11
wopgenius
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Quote:
Originally Posted by Uncle Scotty View Post
....tooo many kiddies crashing them and LIVING....THAT is the issue.....crash and die = less $$$ the insurance companies have to pay out....crash and live = more $$$ the insurance companies have to pay


dying costs less
as morbid as that is it makes sense. Thanks for the thoughts everyone.
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Old 12-08-2007, 05:50 PM   #12
pete_falcone
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It all depends.
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Old 12-08-2007, 06:31 PM   #13
mopartodd
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Quote:
Originally Posted by Uncle Scotty View Post
....tooo many kiddies crashing them and LIVING....THAT is the issue.....crash and die = less $$$ the insurance companies have to pay out....crash and live = more $$$ the insurance companies have to pay


dying costs less
Sad but true. I freaked when I found out my 07 2.5i was higher than the truck it replaced. Several classes higher. About an extra $200 a year.
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Old 12-08-2007, 06:33 PM   #14
WRXbrian
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dont get tickets , if you have a clean driving record it slowly drops monthy.
in FL anyways
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Old 12-08-2007, 08:27 PM   #15
CynicX
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Yeah I pay A LOT less then that for a YEAR for my WRX....shop around. That rate just sucks....
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Old 12-08-2007, 08:52 PM   #16
Tag sti
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Horrible rate. I'd shop around a bit. I pay a few dollars shy of $500 every 6 months for my sti. I'm a few years older (just turned 27), but I've also had a few speeding tickets.
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Old 12-08-2007, 09:49 PM   #17
Checkered24
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It's not safe... for the insurance company. The car is not cheap to repair after an accident which raises it's rates, and the claim rate on Impreza's is high. Overall it has one of the highest insurance rates of any vehicle.
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Old 12-09-2007, 12:29 AM   #18
jakeachy
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not to mention FL is no fault..
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Old 12-09-2007, 12:41 AM   #19
Domo-Kun
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It's not because you personally are a bad driver or such. It is because there are so many idiot drivers will not enough driving skills or good judgement, having too much automobile to drive with the sti.
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Old 12-09-2007, 12:46 AM   #20
subysoldier
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damn thats expensive, thats more than my sti and i'm only 20. Def. shop around, try esurance.
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Old 12-09-2007, 12:52 AM   #21
mugenXP
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when i just picked up my wrx, i got quoted for 2800 a year with a 1000 deductible on the current family insurance plan...

after shopping around for a few days, I found one for ~1200 a year
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Old 12-09-2007, 01:08 AM   #22
ClutchItUp
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I bought my 07 wrx when I was 24 and my insurance was $702 for 6 months through state farm. I have never been at fault in an accident and have 2 speeding tickets on my record. Now that I am 25 it's $521 every 6 months.
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Old 12-09-2007, 11:58 AM   #23
CynicX
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Here is a prime example why your insurance is so high...

http://forums.nasioc.com/forums/show....php?t=1404014
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Old 12-09-2007, 12:22 PM   #24
Checkered24
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My WRX is $502 every 6 mo through Allstate. That is a multi car policy too (but no multi-line) so there are some discounts involved. I have no accidents or moving violations on my record (everything is plead down to parking around here due to where the money goes for the towns).

To highlight how much collision is involved in that figure, my collision coverage with $500 deductable is $202. 40% of the total cost. The rest of the policy includes 100/300 coverage, full uninsured coverage, comprehensive with a $200 deductable and full glass coverage.
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Old 12-09-2007, 12:32 PM   #25
dromango
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I pay about $80 a month full coverage for my 99 2.5rs

22 yrs old, no records, state farm
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