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20 Most Expensive Cars To Insure For 2009
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HDC
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
One note too is that aluminum body panels etc can lead to a bigger premium. I recall reading that the Audi A8 and it's brethren were expensive insurance headaches because of the limited body shop expertise in working on aluminum parts.
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mentir
06/05/09

@HDC: True. The A8, R8, and Jaguar XK (as well as the XJ which I was suprised didn't make the 'cut,' are all aluminum.
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MushyHeirloom
06/06/09

@mentir: The XJ is just as hard to fix, but:

1. It never stays running long enough to take it out on the road.

2. The retired bankers who drive them don't go out much.
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Leeeeena the Jalopchick
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
I calculated the MSRP-to-insurance rate ratio. Very telling results below, and remember, higher is better!

1. 62.46

2. 42.07

3. 22.05

4. 38.39

5. 48.45

6. 69.76

7. 50.89

8. 33.75

9. 44.96

10. 13.29

11. 41.94

12. 30.17

13. 32.99

14. 42.32

15. 46.45

16. 48.01

17. 19.72

18. 45.66

19. 36.21

20. 31.22
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Mobius
06/06/09

@Leeeeena, a Jalopchick: You Jalop too much. :)
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.357
06/06/09

@Leeeeena, a Jalopchick: You put quite a bit of thought into that eh?
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BigHarv
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
Wait, an SL is 4200 lbs? What the heck are they building it out of, cinder blocks?
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Leeeeena the Jalopchick
06/05/09

@BigHarv: You haven't noticed Mercedes' trend of getting really porky? Even the SLR McLaren weighs in at a rather portly 3898 lbs, and an SL65 AMG (non-Black Series) is a shocking 4555 lbs. Yeah, two and a quarter tons of two-seater... what's wrong with this picture?
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MushyHeirloom
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
Most of them are expensive. Most of them are primarily driven by douchebags. All of them are one or the other.
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dwegmull comments for the purpose of obscurity
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
The nice thing about driving a V70R: I get Volvo station wagon rates (about $1000 a year, full coverage, in Cali).
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dwegmull comments for the purpose of obscurity
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
No Bugatti Veyron? Fail. I wonder how much the insurance would be for a Veyron though... I guess it's a case of "if you have to ask, you can't afford it".
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zeeboid
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
Foreign
Foreign
Foreign
American
Foreign
Foreign
American
Foreign
Foreign
American
Foreign
Foreign
American
Foreign
Foreign
Foreign
American
Foreign
American
Foreign
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tenbeers
06/05/09

@zeeboid: mushroom, mushroom
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IN THE FACE!
06/05/09

@tenbeers: badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger, badger
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MushyHeirloom
06/05/09

@ぶっちぎり IN THE FACE!: PLUSHROOM PLUSHROOM
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citroën67
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
Fuck Geico...I can save a shit-load on car insurance on the basis that I simply can't afford any of the cars on this list.

What a bitter-sweet feeling that is.
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.357
06/05/09

@citroën67: It's OK. Remember, it's not what you drive, but how you drive it.
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Tom_Crisis
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
Ok, for me the biggest surprise is the curb weight of the lexus IS-F. 4660 lbs?!? holy crap even the american cars are lighter than that! isn't that cars rival the M3?
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IN THE FACE!
06/05/09

@Tom_Crisis: We're operating under the presumption that is a typo... (see a few comments up)
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tenbeers
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
I know cars are pretty porky these days, but that IS-F curb weight has gotta be a typo.
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TimTim
06/05/09

@tenbeers: Yep, according to lexus.com it's a svelte 3780
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MushyHeirloom
06/05/09

@TimTim: ...nearly a thousand pounds more than my SOLID STEEL MIDSIZE SWEDISH TANK FROM HELL.
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The Auto Insider
06/06/09

@tenbeers: Yeah, good catch. That was the gross weight rating. Fixed it for ya.
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Paul Y. can't get in the club; gotta parking lot pimp
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
Oddly enough, I can hypothetically insure pretty much any ear air-cooled 911 for substantially less than what I pay on my xB, despite the former being an inherently deadlier car.

Of course, I apparently only manage to own cars that are mostly driven by dangerous-to-themselves-and-others retards. The base-model Impreza I had previously was also relatively expensive to insure (and rates on WRXs and STis are horrifying).

Interestingly, you do not want to insure a gray-market car, either. My girlfriend probably pays 50% more than she should be just because her Intrepid was sold in Canada, rather than the US. Apparently, the fact that the badges read "Chrysler" rather than "Dodge" puts her in a higher risk category.
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not4one
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
Not sure where this data comes from, but my experience on an audi s8 says it is relatively cheap to insure. My 2007 s8 cost $50 less/6 months (@$598) than my 535 ($620) and Lex RX ($645)...all with same drivers and coverage in NYC area. And, the S8 is on the policy as the commuting car.
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IN THE FACE!
06/05/09

@not4one: Rare cars tend to be cheaper to insure because the number of claims made on them are low. Or at least that's what my ex-g/f from years ago told me (she came from a family of insurance agents)...

I really have no idea if that is factually accurate, but kinda makes sense, except for the fact that you'd think they would base the number of claims made on that type of car off of a per-capita figure rather than just the number of claims with no calculated context... whatev...
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knyghtryda
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
why the hell does a Cobalt SS cost so damn much to insure? I know for certain a Mazdaspeed 3 doesnt cost that much, and neither does a WRX, or a GTI. Maybe in the hands of a 18 year old, but above 25 I am highly suspect of that number. On the other hand... being under 25 means I get hit with $1200 a year for a Mazdaspeed 6...
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A Pimp Named DaveR
06/05/09

@knyghtryda: The rates are a combination of the value of the car (replacement cost), the incidence of theft for that model, the incidence of theft in your area, and repair costs for that model.

So I'm guessing that the Cobalt SS gets stolen a lot. That's about all that could explain it...
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beercheck
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
Got any friends, TAI?
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The Auto Insider
06/05/09

@beercheck: Nope, none.
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pauljones
06/05/09

@The Auto Insider: At last count, you have 66 friends. I am honored to among them, sir.
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.357
06/05/09

@pauljones: Same here. I'm also honoured to be your friend.
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The Auto Insider
06/06/09

@beercheck: Thanks guys and to think all this time I was sitting in this blogoverse feeling like I was all alone. Now I know I've got at least 66 of you. w00t!
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.357
06/05/09

In reply to 20 Most Expensive Cars To Insure For 2009
And, I want to buy a 2010 GT3 as my next daily driver. I'm crazy, I know.
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