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Old 06-01-2000, 04:29 PM   #1
Marius
Scooby Newbie
 
Member#: 38
Join Date: Jun 1999
Location: MI
Talking Type-R cheaper in insurance...LOL

I met a guy in a yellow Type-R today on my way home. we chatted at the light and he said, that he wanted the RS in the first place, but couldn't find decent insurence rates. So he bought the Type-R. He was in his mid 30's, btw.
Strange, isn't it?
Marius
99 RS blue
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Old 06-01-2000, 04:32 PM   #2
nizz
Scooby Specialist
 
Member#: 188
Join Date: Aug 1999
Location: New York
Vehicle:
2004 Forester XT
24k gold on white

Post

That's not true... well at least in my case. I had insurance for the Type R under my brother's name who was over 25 and it was still more than the RS under my name and I'm 22. How strange.

nizz
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Old 06-01-2000, 11:03 PM   #3
John2.5RS
Scooby Guru
 
Member#: 1140
Join Date: Mar 2000
Chapter/Region: SCIC
Location: On the road
Vehicle:
2013 Ecoboost'd F150
Grey

Smile

Yeah, right! The impereza is still a non-performance car to insurance companies, I believe. The ITR is all sport.


John
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Old 06-02-2000, 04:36 AM   #4
BryanH
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Member#: 993
Join Date: Feb 2000
Chapter/Region: MAIC
Location: nova
Post

This guy may have been telling the truth as having been an insurance agent I can tell you what I think someone did was misclassify the car as an LS model. I used to see it all the time. Which is all fine and dandy until you have a claim and the adjustor finds out it was a typeR. They can then deny your claim saying you did not represent the car correctly.
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Old 06-02-2000, 04:57 AM   #5
dbrown
Scooby Newbie
 
Member#: 620
Join Date: Dec 1999
Location: SE-MI
Post

I thought that was why they made you provide your vin # and they put it on your inurance card. Wouldn't it then become the fault of the agent since your vin is on the policy no matter what they had the car labeled as?
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Old 06-02-2000, 05:31 AM   #6
BryanH
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Member#: 993
Join Date: Feb 2000
Chapter/Region: MAIC
Location: nova
Post

Giving the agent the VIN is a good safegaurd against this happening if they have a system they actually have to enter the VIN into to double check it. Travelers and State Farm, among others, have these systems to keep the agents honest. With some of your insurance companies the agent is not required to check the VIN against anything and the change request to add your car to the policy is processed as a paperwork change with no additional check by the insurer. Talk about blind faith! In this case the VIN is given only to accurately identify the car. Not what type of car but more like a serial number to identify which honda civic or whatever you are driving.

The only safegaurd against this is to make sure that the car is accurately labeled on the policy when you receive it. If you have any questions you can call your agent and ask but be sure to back up these calls with a certified letter, or something along these lines, keeping a copy for yourself. If you do this THEN it becomes the agents problem at the time of a claim. If you don't do this, I have seen many an agent just say that this us what the client told them and the customer gets screwed.

The bottom line is that most, not all, of the time insurers are fairly close to each other on price. When you find that great deal, and I am not saying they don't exist, just make sure that it really is a good deal in terms of proper vehicle, coverages, coverage limits, and deductibles.

I will now get off my soapbox.
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