05-05-2006, 01:50 PM
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#1
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Porscheectomy
Join Date: Mar 2006
Location: Seattle Area
Posts: 3,011
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Quote:
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Originally Posted by redman12
Porsche told me that, your insurance would be a lot higher if you have an old model car. Your insurance would be cheaper if your buying a new model like 2000 to 2005
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It's all based on replacement and repair costs. I don't see why an older car would cost more in insurance, unless it's ALOT older where the car's rare and parts are no longer in production.
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05-05-2006, 03:03 PM
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#2
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Guest
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Don't forget an old car will have less technology to protect against theft (liked chipped keys and alarms), less technology to protect its occupants against fatalities (like air bags, and side impact protection) and less technology to actually avoid accidents (like ABS and PSM). Thes things too must impact insurance rates. Just a thought.
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05-05-2006, 04:07 PM
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#3
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Porscheectomy
Join Date: Mar 2006
Location: Seattle Area
Posts: 3,011
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Quote:
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Originally Posted by bmussatti
Don't forget an old car will have less technology to protect against theft (liked chipped keys and alarms), less technology to protect its occupants against fatalities (like air bags, and side impact protection) and less technology to actually avoid accidents (like ABS and PSM). Thes things too must impact insurance rates. Just a thought.
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They do give discounts for airbags and abs, but it's hard to believe it's enough to bring the rate under an older car.
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05-08-2006, 11:50 PM
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#4
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Registered User
Join Date: Jul 2005
Location: Denver
Posts: 740
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My wife brought to my attention that my Insurance states that I have a Carrera GT. Now, this was news to me since I was pretty sure I'd bought a Boxster. Still, I was certainly interested to find out if I did indeed buy a Carrera GT. Apparently my wife was still married to me, no iminent foreclosure on my house, and the car in the garage said "Boxster".
While obviously disappointed, I called my insurance agent to point out the error. After numerous clicks and clacks in the background I heard, "That's weird". Apprently, changing my car from a Carrera GT to a Boxster actually RAISED my rates. Seeing as I've been with the same insurance guy for over 20 years, we kept it at the lower rate. So, as far as the world is concerned (or at least the insurance world), I own a Carrera GT. HA! And I did it without even knowing it. I'm hoping I "pick up" an Enzo when I buy some shoes tomorrow. Wish me luck!
__________________
'06 Cayenne Turbo S, Beige Metallic/Tan
Ex - '99 Arctic Silver, Red Interior, Silver Top
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05-09-2006, 05:25 AM
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#5
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Registered User
Join Date: Sep 2005
Location: Minneapolis/St. Paul, Minnesota, USA
Posts: 3,308
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Quote:
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Originally Posted by bmussatti
Don't forget an old car will have less technology to protect against theft (liked chipped keys and alarms), less technology to protect its occupants against fatalities (like air bags, and side impact protection) and less technology to actually avoid accidents (like ABS and PSM). Thes things too must impact insurance rates. Just a thought.
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Hi,
I agree with you except for the part about the ABS and PSM reducing the likelyhood of an collision.
True, these things offer the Driver better control so that they can maneuver away from an immanent impact, but statictically, the number of collisions has not been correspondingly reduced. Your application will ask if your Car is so equipped, but it isn't really reflected in the rates charged, because like most insurance, those who don't need it end up paying for those who do.
This is because people are not taught to actually use these innovations when the need arises. Most still Freeze, Grab the Wheel tightly, and Brace for Impact. This why I believe that DE and Auto-X are benefitial for the average Driver, because they gain confidence and the knowledge of what their Car can do, and this translates into better day-to-day driving...
Happy Motoring!... Jim'99
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05-09-2006, 05:45 AM
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#6
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Registered User
Join Date: Feb 2005
Location: Chicago
Posts: 283
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1997 Ford Explorer-Was $480/6 Mos.
2002 Audi A4-Currently is $420/6 Mos.
2000 Boxster S-Currently is $336/6 Mos!
31, Married, Home Owner, State Farm Umbrella Coverage 
Oh Yeah...clean driving record for the last 2 years!!! Safe driver discount!!
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2000 Porsche Boxster S 
2007 Lexus RX350
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05-09-2006, 07:41 AM
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#7
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Registered User
Join Date: Aug 2004
Location: Boston,MA
Posts: 121
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26 year old...living in Boston....you guys think you have bad insurance prices....2000 Box...
Clean driving record for about 6 years...had a fender bender once on my driving record....
Very average policy nothing great....
$2300 a year..!!!!!!
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05-09-2006, 07:56 AM
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#8
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Registered User
Join Date: Feb 2005
Location: Chicago
Posts: 283
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Quote:
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Originally Posted by dennizxxx
26 year old...living in Boston....you guys think you have bad insurance prices....2000 Box...
Clean driving record for about 6 years...had a fender bender once on my driving record....
Very average policy nothing great....
$2300 a year..!!!!!!
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AAAAAAAAHHHHHHH! 
__________________
2000 Porsche Boxster S
2007 Lexus RX350
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05-09-2006, 10:03 AM
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#9
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Registered User
Join Date: Oct 2005
Location: Sacramento
Posts: 26
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Limited Use
With limited use policy and agreed value we are paying $425.00 per year. Not a daily driver
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2002 S. Black on Grey. Fun Fun Fun
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