Last post on Dec 21, 2007 at 4:11 PM
You are in the Honda Civic
What is this discussion about?
Honda Civic, Coupe
#2869 of 3321 One other concern - Insurance costs?
Oct 05, 2004 (10:56 am)
I am currently paying about $2,000 a year (comprehensive, Louisiana, >25 y/o male, perfect driving record) to insure a 2003 Honda Civic SI. This is about $500 per year higher than comparably priced 2003 vehicles. Can some other people list their insurance prices please?
I don't believe that the theft rate and collision rate of the 2002-current Civic SI's are similar to the earlier model years (i.e. 1999-2000). Thus, a lower insurance price should be a result, based upon statistics collected over the last three years.
Oct 05, 2004 (3:03 pm)
If your engine has a redline of 5252rpm, its torque and horsepower maximums will match. In a theoretical engine, you have the same amount of hp as torque at that engine speed. (That's a little simplified though, since torque curves aren't flat in real life. I think the horsepower curve is the integral of the torque curve.)
So if you have a low redline, like a diesel, you have higher torque numbers than hp. High redline like many Honda engines... higher hp than torque.
Displacement and compression ratio are big factors in torque. I'm sure everything else is too, but I don't know in what ways. Then you let the engine rev as high as you think is good for it. At very high revs, each rev might not be very torquey on its own, but you're putting that amount of torque-per-rev to the road at a rapid rate.
john500 - you're over 25? Damn, I'm under. Maybe I should stop thinking about the Si. I doubt they separate car generations for insurance purposes... not enough data on new Si's if the did. (There's a thread in the "Smart Shopper" forum with a lot of insurance experts... try there too.)
Oct 05, 2004 (3:46 pm)
I have what I think should be a similarly rated car - the RSX - and I pay $1600/year for full coverage, $50 deductible. I am >30 single male, no accident or ticket points on the record. That SI insurance sounds a little high, but maybe there is a big difference between >25 and >30? Integras historically have high insurance because of the high theft rate; don't know if the same is true for the RSX. Also, the SI is built only in England, the RSX only in Japan, and I am on the west coast. Wonder if that makes a difference.
Oct 05, 2004 (7:30 pm)
Insurance on my SI is 500 yr full coverage. I actually think it's less than that. I just don't have it in front of me right now.
Oct 05, 2004 (9:07 pm)
married people get all the benefits!
One note: don't know about gee's SI, but my RSX is listed on the insurance as the primary car.
Oct 06, 2004 (1:44 am)
Progressive doesn't rate them as primary or anything. We pay $1000/6 monhs for an 04 Odyssey, 04 Accord EX-L stick, 03 Civic SI, and a 1994 Lexus LS400. All full coverage $500 deductible ecept the Lexus which has $1000.
Oct 06, 2004 (4:07 am)
You have a $50 deductable on your car insurance? Or is it $500? I wouldn't even report anything into the insurance under $500 cause it cost me more in the end.
Oct 06, 2004 (6:11 am)
is $50. I figure like you - no point in having it (well, there would still be SOME point) with a really high deductible, although $500 would be manageable. I investigated the difference in premium between $500 and $50 deductibles, and it wasn't that much, so I went for the $50.
If I had gee's $500 deductible, my renewal that just went by would have been about $1400 instead of $1600.
#2877 of 3321 My Hondas are financed
Oct 06, 2004 (10:12 am)
so the deductible is $500. Oherwise they would all be $1000.
#2878 of 3321 Re: my deductible [nippononly]
Oct 07, 2004 (4:03 am)
Which means that every 2 1/2 years you have earned your deductable back. I tend to keep a fairly large deductable becuase while it may not save me much, hey a hundred bucks is still 5 trips to the gas station.