insurance

[David Conner]

I'm always at risk when it comes to lusting after other Audi's... the ur-S4
currently listed on E-Bay for low $$$, or maybe a gently used A8 or S4.
But I'm wary of the potential insurance costs no matter how low the
purchase price.  I guess the only safe thing to do is discuss these
fantasies with my insurance agent.  I've got fairly low incurance costs
now... currently spending about $2k per year on insurance for four
cars/three drivers.  When I owned a 91 200Q several years ago I was
surprised at how much it cost to insure compared to my other cars.  At the
time I had an 86 4kq, 87 5ks, and an 89 100 with two drivers.  My insurance
cost doubled when I added the '91 as a fourth car.

Columbus,OH
89 200q
89 100
87 5ktq
87 5ks


At 12:45 PM 2/19/02 -0500, Roger M. Woodbury wrote:
>I am sure that this is proprietary information either of the Insurance
>Services Office, or perhaps the insurors themselves.  Normally, insurance
>agents are furnished with underwriting guidelines and the automobile
>symbols...normally physical damage ratings...are shown, along with
>instructions concerning how to make the submission to the underwriting
>offfices.  The actual vehicle model means relatively little as far as the
>premium is concerned.  The driver's age (drivers' ages), driving record,
>type of vehicle and its age, THEN the particular model, I believe is the way
>that the normal underwriting "screen" is applied.
>
>Example.  I was expecting my premiums to be quite stiff when I bought my
>Porsche 928, despite the fact that I am comfortably over the age when this
>sort of thing should make a difference.  I have quite a lot of liability
>insurance, but was willing to accept a thousand dollar deductible for
>comprehensive and  collision insurancce.  The premium for the 1987 928S4 was
>around $800 per year, and was just added to my policy with my other
>vehicles.  It was less than my 1989 Audi 200 Wagon on the same policy, and
>not much more than the 944 that it had replaced.
>
>When I was an independent insurance agent, such a vehicle would have been
>VERY difficult to place at all, under a standard policy, and usually only
>for an older operator with NO young operators in the household.
>
>My daughter recently talked to the insurance company about various cars.
>She found that they told her freely what they rated "up" and did not.  Audi
>was rated quite low by them....good crash resistance and good safety record.
>The Misubishi Gallant that she presently has, was rated as so much tin foil.
>
>Roger
>
>----- Original Message -----
>From: "David Conner" <conner at cfm.ohio-state.edu>
>To: <quattro at audifans.com>; <rmwoodbury at downeast.net>
>Sent: Tuesday, February 19, 2002 12:54 PM
>Subject: insurance
>
>
>> Good article!
>>
>> I'm interested in the item re: "How much your car model affects your
>> premium -
>> Cars are given a rating from 3 to 27, and the higher the number, the
>higher
>> your premium.
>>
>> The article says these numbers for various model cars would be difficult
>to
>> find.  Does anyone know where/how to find them?
>>
>> Dave C.
>>
>>
>
>