Needing real-world insurance rates for Miata

3 messages, Last post on Aug 27, 2008 at 7:46 AM

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#2 of 3 Re: Needing real-world insurance rates for Miata [nativetexan] by rpm Aug 22, 2008 (7:03 am)
Replying to: nativetexan (Aug 21, 2008 8:51 pm) this is just a guess on my part, but I would think that the bulk of the insurance premium would come from 2 areas that aren't strongly tied to the safety of the car: 1. liability. relates more to age, sex, and driving record that it does to the vehicle type. 2. theft history for that model. Replies to this message: ateixeira (Aug 27, 2008 7:46 am)
#3 of 3 Re: Needing real-world insurance rates for Miata [rpm] by ateixeira Aug 27, 2008 (7:46 am)
Replying to: rpm (Aug 22, 2008 7:03 am) Bingo, and Civics are stolen quite often, which would explain the high rates. Also, a Miata is only a 2 seater, so there is only up to one passenger on board to distract the driver, while the Civic coupe may have up to 4.

#2 of 3: Re: Needing real-world insurance rates for Miata [nativetexan] by rpm; Aug 22, 2008 (7:03 am)

Replying to: nativetexan (Aug 21, 2008 8:51 pm)

this is just a guess on my part, but I would think that the bulk of the insurance premium would come from 2 areas that aren't strongly tied to the safety of the car:

1. liability. relates more to age, sex, and driving record that it does to the vehicle type.

2. theft history for that model.

ateixeira (Aug 27, 2008 7:46 am)

#3 of 3: Re: Needing real-world insurance rates for Miata [rpm] by ateixeira; Aug 27, 2008 (7:46 am)

Replying to: rpm (Aug 22, 2008 7:03 am)

Bingo, and Civics are stolen quite often, which would explain the high rates.

Also, a Miata is only a 2 seater, so there is only up to one passenger on board to distract the driver, while the Civic coupe may have up to 4.