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Old 01-29-2004, 01:22 PM   #1
WRBLUEWAGON
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Default My is my Evo cheaper to insure then my WRX was?

I used to pay about 2800 for the WRX with a 1000 deductable.

I'm now paying 1450.00 for My EVO with a 500 deductable.

I was 23 when I get the WRX and now 25 so That might have somthing to do with it but that's a large diffrence.

What are you STI guys paying in NJ. Oh I have Parkway Insurance.
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Old 01-29-2004, 01:32 PM   #2
Cosworth
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I think you turning 25 would definitely be the reason for the rate reduction, regardless of what you are/were driving and the ins carrier. NotoriousWRX could probably chime in here with a more detailed explanation.
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Old 01-29-2004, 01:37 PM   #3
WRBLUEWAGON
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that's what I thought but my brocker said that's not the case anymore. It's just a cheaper car to insure and because this is now the 2nd year to insure the EVO the price did not go up.

Eric
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Old 01-29-2004, 01:43 PM   #4
MMastro
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As of 3 years ago my broket told me that for males the premium dropped a certain percent at 25 then again at 27. Females it dropped at a given age like 25 and then the next drop wasn't fro a few years. My premium has been rising ever since I got my WRX, probably due to the number of accidents and thefts. They don't have data like that for the EVO yet. I pay about 2100 with my WRX with first Trenton, or at least I did...I got in a small fender bender in the snow and had to claim it. I have no idea what that will do to my premium now.
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Old 01-29-2004, 01:45 PM   #5
AZP Installs
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Yup remember when the wrx first came out, the insurance companies only saw it as an impreza, then after a while they jumped up.

-mike
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Old 01-29-2004, 01:58 PM   #6
WRBLUEWAGON
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Quote:
Originally posted by AZP Installs
Yup remember when the wrx first came out, the insurance companies only saw it as an impreza, then after a while they jumped up.

-mike
Mike my price was the same from New and I got my WRX early 2001
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Old 01-29-2004, 02:02 PM   #7
Prime Mover
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My RS dropped in insurance cost as soon as I turned 25. IT then dropped again quite a bit when I got married and moved to a 'better county'.

I have State Farm, and I'm paying less to insure both cars than I did before I was 25 and then married.

Also, my premiums have been going down over the past bills... my last one was about a $100 drop (for 6 months), and I'll see when I'm up again in May.

Couple things to consider -

1) Some ins. co. give discounts the longer you're with them, and the longer you stay insured with either the same vehicle, or stay without collission claims (Comp has no affect on premiums at least in my case).

2) As others have mentioned, the WRX has been around, going into it's 3rd year now. So, they've now been able to get statistics, and due to the number of accidents and thefts, the car is getting more expensive to insure, since they're paying out much more for that car now than when they first got the rates.

I'd expect the rates to go up over time with the Evo, especially if there's a lot of accidents/thefts, since it's only been on the market for a year.

I personally think your turning 25 helped it out, and if you get married (don't know your status currently), that will also help. In addition, the county you live in does play a factor... higher crime and also higher congestion raise rates, since theoretically you're in a higher risk for a stolen car or accident.

(please correct me if wrong, but that's what I've heard and gone through in my experiences)

-Gary
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Old 01-29-2004, 03:04 PM   #8
WRBLUEWAGON
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Quote:
Originally posted by Prime Mover
My RS dropped in insurance cost as soon as I turned 25. IT then dropped again quite a bit when I got married and moved to a 'better county'.

I have State Farm, and I'm paying less to insure both cars than I did before I was 25 and then married.

Also, my premiums have been going down over the past bills... my last one was about a $100 drop (for 6 months), and I'll see when I'm up again in May.

Couple things to consider -

1) Some ins. co. give discounts the longer you're with them, and the longer you stay insured with either the same vehicle, or stay without collission claims (Comp has no affect on premiums at least in my case).

2) As others have mentioned, the WRX has been around, going into it's 3rd year now. So, they've now been able to get statistics, and due to the number of accidents and thefts, the car is getting more expensive to insure, since they're paying out much more for that car now than when they first got the rates.

I'd expect the rates to go up over time with the Evo, especially if there's a lot of accidents/thefts, since it's only been on the market for a year.

I personally think your turning 25 helped it out, and if you get married (don't know your status currently), that will also help. In addition, the county you live in does play a factor... higher crime and also higher congestion raise rates, since theoretically you're in a higher risk for a stolen car or accident.

(please correct me if wrong, but that's what I've heard and gone through in my experiences)

-Gary
]}

Gary,

I agree but the EVO is about 7K more money and is ratted higher for performance then the WRX. Hey I'm not complaining just wondering
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Old 01-29-2004, 03:56 PM   #9
Cosworth
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Quote:
Originally posted by WRBLUEWAGON
Mike my price was the same from New and I got my WRX early 2001
My situation is the same as yours. Bought in early 2001, insured with NJM, never saw a premium hike because of some trim level reclassification.
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Old 01-29-2004, 04:05 PM   #10
speedbuggy67
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i will be 25 on the 7th and my insurance just went down 800 bucks from liberty mutual yeah i got 3 cars on there but still a great drop.

Scott
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Old 01-29-2004, 04:15 PM   #11
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When i was getting insurance for my WRX, they classified the STi and WRX as the same thing. Maybe they think its a Lancer OZ
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Old 01-29-2004, 04:17 PM   #12
Prime Mover
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Quote:
Originally posted by WRBLUEWAGON
Gary,

I agree but the EVO is about 7K more money and is ratted higher for performance then the WRX. Hey I'm not complaining just wondering
Heh, no, complaining would be bad...

I see your point... hopefully Notorious can clear this up, but I'm wondering also about car 'classing'.

The EVO may be better performance, but I'm not sure they go by numbers per-sey. I think the ins. co.'s also rate a car by the class it's in to figure out base premiums, and then go from there as statistics warrant.

For example, when I was buying my Saturn a few years ago, I got into an insurance discussion. I had to choose between the SL2 or the SC2 (sedan vs. coupe).

Apparently, if I had chosen the SC2, the coupe, the car was classified as a 'class 12', whereas the SL2, the sedan, was a 'class 4' (now, I'm not sure if those exact numbers are correct, it was over 8 years ago, and they may even use letters instead of numbers, but you get the point).

Now, The cars performance-wise wer eexactly the same... same DOHC, 16-valve, 124HP engine, same tranny, etc. The only difference is that one was a coupe, and one was a sedan, hence they rated it different, because I guess the 'great minds' thought the coupe was a sportier car and people would be more likely to drive it aggressively, even though there was no performance difference between the 2 styles (OK, I think 50 lbs. for the difference in chassis, but that's hardly a huge difference). Needless to say, I went with the sedan since the quotes were astronomically different.

Now, there are other ways cars will get classified, i.e. turbo or non-turbo, regular sedan or sport sedan, etc. etc.

So, it's also dependant on what class the vehicles are in... if the WRX is in a higher class, it'll be more expensive to insure, even if it's less performance, etc. I agree that in logical thinking, the EVO should be a much higher-rated car than a stock WRX, but the ins. co.'s are far from logical.

-Gary
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Old 01-29-2004, 07:22 PM   #13
onesillyracer2k2
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Eric, nothing like scaring the crap outta me on rt 1 when u pulled away from me lol. Your car is a beast .
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Old 01-30-2004, 10:11 AM   #14
WRBLUEWAGON
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Quote:
Originally posted by onesillyracer2k2
Eric, nothing like scaring the crap outta me on rt 1 when u pulled away from me lol. Your car is a beast .
Ya I love the EVO. The best car I have ever owned.

MZ3 BMW 99
M395
M396
WRX
M303
X5
GTI VW

other cars were beaters.

Eric
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Old 01-30-2004, 10:29 AM   #15
NotoriousWRX
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There are probably several factors. Your rate is lower because of your age (25, as opposed to under 25), length of time with the same insurance company and the rating symbol that the company uses for your vehicle.

Currently, my rating software does not include the EVO, so if I was to rate a policy for you I would have to use a Lancer symbol, which is significantly lower than what the EVO will eventually be. I think that your company is doing the same. The WRX is considered an intermediate performance vehicle with a rating symbol of 17. I would think that the EVO will end up being classified in the same category, so that rates would be about the same.
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Old 01-30-2004, 11:22 AM   #16
WRBLUEWAGON
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Quote:
Originally posted by NotoriousWRX
There are probably several factors. Your rate is lower because of your age (25, as opposed to under 25), length of time with the same insurance company and the rating symbol that the company uses for your vehicle.

Currently, my rating software does not include the EVO, so if I was to rate a policy for you I would have to use a Lancer symbol, which is significantly lower than what the EVO will eventually be. I think that your company is doing the same. The WRX is considered an intermediate performance vehicle with a rating symbol of 17. I would think that the EVO will end up being classified in the same category, so that rates would be about the same.
Oh so next year they will screw me. Great!! looking forward
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Old 01-30-2004, 12:20 PM   #17
onesillyracer2k2
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ERic, check ur pms jerky!
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Old 01-30-2004, 01:02 PM   #18
WRBLUEWAGON
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Quote:
Originally posted by onesillyracer2k2
ERic, check ur pms jerky!
I just saw it. Oh I have no clue now. He is in MD this weekend needs to finsh somthing up next week and then I will have a date.

Eric
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