Quote:
Originally Posted by you&me
I've been told in the past that, once the driver is accounted for in all of the actuarial calculations, the actual car and the resulting cost to r&r parts is the biggest factor in individual rates.
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Unless things have changed, this isn't true. If you buy any car that is crashed frequently (i.e. anything that a 16 year old male commonly drives) or something that is stolen often (certain pickup trucks are dinged for this), then your rate goes up.
I had one scenario where one vehicle I owned was worth twice as much as the other, but it was cheaper to insure.