Date: Tue, 11 Jan 2000 23:32:28 -0800 From: TimeRangernopsam.com Subject: Re: High Insurance On a Saab Convertible: Can anyone recommend an insurer?
On Tue, 11 Jan 2000 22:39:11 GMT, Josh Landess <jlandessnopsam.com> wrote: >I have an 89 Turbo Convertible with 150,000 miles, 18 years driving >experience, one speeding ticket in two years and I've never had an >accident. No DUI's and I don't ever drive drunk. The blue book on my >vehicle is less than $10,000 wholesale. > >Still, I'm paying around $1150 a year for insurance. Calling other >insurers has not helped at all. All the answers have been the same. > >So, I talked with my agent about this. It turns out that they have a >rating system on various vehicles. With my insurer, Farmer's, they >rate the vehicles something (a or h or something)-through-z and then >when they run out of letters, they use numbers. My car is a 6, >meaning that my rates are through the roof. In other words: it's the >fucking car. One starts to understand why the previous owner told me >she couldn't afford the insurance. > >So, I am asking if any Saab convertible owners out there have found an >insurance company which is a bit more reasonable. > >jl A LOT of what you pay for insurance depends on your zip code. I recently moved about 4 miles across town, and my insurance went up 14.3% just because I live in a "highrisk"zip code. Here in Las Vegas we have some of the world's worst drivers and are visited by ALL of the worst drivers that L.A. has to give. Type of coverage also determines your cost. Straight liability is mucho cheaper than comprehensive - which covers the cost of someone cutting open your roof. Repair costs also contribute heavily towards your rate. Face it, SAAB parts ain't cheap. -- When a person delegates their responsibilities to another, that person loses the right to complain about the misuse of those responsibilities. -R. Shereda 1999