Out of curiosity, how is it I would be able to save $xxx on my auto insurance by driving a Honda Civic rather than my 2003 Dodge Dakota R/T? This is a generic safety calculation given on quotes and it seems so logically flawed that I‘m tempted to call my current insurance company and get them to acknowledge exactly how vague safety is used. I have 4-wheel disc with ABS alongside an aftermarket suspension system, so the handling is pristine. Crashes in these two vehicles are likely incomparable due to the rugged nature of a pickup. So, am I the only one being stubborn here? I‘m 18, so I understand huge a huge insurance cost as-is, but how is this justified?
In general --- trucks are more likely to roll over. Trucks are more likely to be driven of off road or dangerous conditions than small passenger vehicles. Trucks are more likely to inflict greater damage/injuries on the cars they hit. It's not the damage to the truck that's the expense --- it's the damage you inflict to others (liability) that often results in the increased cost. If you have jacked up your truck - when you rear end a Honda Civic - the front bumper of your truck will hit the Civic in the deck lid - not the bumper. The Civic was designed to take an impact to the bumper - not deck lid. This results in greater injuries to the occupants of the Civic than if the the Civic was hit in the rear by another Civic. Insurance rates are set by the insurance company and approved by the Insurance Department of your state. Calling your company to get them to acknowledge exactly how vague 'safety' is used is meaningless. It won't change a thing. If you don't like the rate your company is giving -- you have the freedom to shop around and see if you can get a better rate somewhere else.
they also calculate the number of wrecks and the cost to repair the damage on each vehicle.also number vehicles stolen and vandalized. I would imagine it would cost more to repair a Dodge Dakota than a Honda Civic? your after market suspension may indeed make it handle 100% better but in the eyes of an insurance co you have altered the stock vehicle, they may even consider it unsafe. you can't use logic or common sense you have to think in terms of cost effectiveness and loss management. these days if your read your policy closely they probably have it in the small print that they can use replacement parts not stock or new parts to repair your vehicle. not original manufactured parts
