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Old 12-02-2007, 07:12 PM
 
11,715 posts, read 36,675,515 times
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Quote:
Originally Posted by jessemh431 View Post
Actually, color does make a difference here for insurance. I find it odd that black is more expensive where you live. Here, it's red. They think you will be speed demon or will be a crazier driver if you have a red car.
I've insured quite a few cars and have never been asked what color it is.

Hey, look what google found:

Auto Insurance - Top 10 Auto Insurance Myths

see #9
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Old 12-02-2007, 08:58 PM
 
1,297 posts, read 5,103,253 times
Reputation: 566
Quote:
Originally Posted by jessemh431 View Post
Actually, color does make a difference here for insurance. I find it odd that black is more expensive where you live. Here, it's red. They think you will be speed demon or will be a crazier driver if you have a red car.

A convertible will also cost more since they are not as safe. But, older cars sometimes have lower costs.

Depending on how fast the car goes can make a difference. For example, if you are deciding between two cars that are exactly the same (same color, features, and so on), the one will the bigger engine will be much more. Usually luxury models such as Lexus, BMW, Mercedes, or Audi will be more to insure because they are more expensive to repair.
some of the main factors that influence insurance:

Age, Marital Status, Driving Record, Zip Code, Performance Class, Cost of parts, and crash data. Also, garaging, alarms, lojack, auto seatbelts, airbags reduce costs. Some insurance companies will be very inexpensive but when you get into an accident, that cheap policy is what it is. Most people dont understand this until after theyve gone through a major or complicated accident.

Color is not a factor. I suspect if the insurance broker says there is a surcharge on red or black, that money is going directly into his pocket as a brokerage fee.
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Old 12-03-2007, 04:49 AM
 
Location: Las Flores, Orange County, CA
26,345 posts, read 84,729,081 times
Reputation: 17581
Quote:
Originally Posted by greggd View Post
some of the main factors that influence insurance:

Age, Marital Status, Driving Record, Zip Code, Performance Class, Cost of parts, and crash data. Also, garaging, alarms, lojack, auto seatbelts, airbags reduce costs. Some insurance companies will be very inexpensive but when you get into an accident, that cheap policy is what it is. Most people dont understand this until after theyve gone through a major or complicated accident.

Color is not a factor. I suspect if the insurance broker says there is a surcharge on red or black, that money is going directly into his pocket as a brokerage fee.
Is it possible the color is encoded in the VIN number, meaning the insurance company could know the color without asking directly?
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Old 12-03-2007, 02:52 PM
 
Location: La Mirada, CA
236 posts, read 1,061,017 times
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LOL! Hilarious!!!! I haven't thought of that guy in years... did he die?
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Old 12-03-2007, 05:05 PM
 
Location: Las Flores, Orange County, CA
26,345 posts, read 84,729,081 times
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Quote:
Originally Posted by edelweiss View Post
LOL! Hilarious!!!! I haven't thought of that guy in years... did he die?
From the Wikipedia link I posted above, "Cal is supposedly in fine health for an 86 year old." It is pretty interesting.

Remember "Hi Friend, Ralph Williams, Ralph Williams Ford. Today, check out this beautiful 1975 Ford LTD...."

L.A. Vintage Commercials: Cal Worthington

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Old 12-03-2007, 05:38 PM
 
11 posts, read 33,642 times
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Quote:
Originally Posted by jessemh431 View Post
Actually, color does make a difference here for insurance. I find it odd that black is more expensive where you live. Here, it's red. They think you will be speed demon or will be a crazier driver if you have a red car.

A convertible will also cost more since they are not as safe. But, older cars sometimes have lower costs.

Depending on how fast the car goes can make a difference. For example, if you are deciding between two cars that are exactly the same (same color, features, and so on), the one will the bigger engine will be much more. Usually luxury models such as Lexus, BMW, Mercedes, or Audi will be more to insure because they are more expensive to repair.
In the UK the black colour make the insurance more expensive because they believe that the visibility of the car is reduce, expecially during night time.
Some of the cars that I am checking are "reposseses". I am not sure about this. Do you think that i am going to have dificulties with the insurance... o later on to sell the car myself? I am not sure about this.
Thanks for all the good advice.
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Old 12-03-2007, 06:15 PM
 
7,854 posts, read 14,714,744 times
Reputation: 5518
Quote:
Originally Posted by Charles View Post
Is it possible the color is encoded in the VIN number, meaning the insurance company could know the color without asking directly?
I'm pretty sure that's how it works.
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Old 12-03-2007, 07:19 PM
 
11,715 posts, read 36,675,515 times
Reputation: 7522
Quote:
Originally Posted by jessemh431 View Post
I'm pretty sure that's how it works.
Doubtful. When I was contemplating our latest car purchase, I had my wife call our insurance agent about insurance rates. We had no VIN to give him and color was never discussed. Make, model, year, and equipment was what he cared about for generating a quote.
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Old 12-03-2007, 07:52 PM
 
Location: Las Flores, Orange County, CA
26,345 posts, read 84,729,081 times
Reputation: 17581
Quote:
Originally Posted by EscapeCalifornia View Post
... I had my wife ...
We think alike.
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Old 12-03-2007, 07:59 PM
 
11,715 posts, read 36,675,515 times
Reputation: 7522
Quote:
Originally Posted by Charles View Post
We think alike.
Haha well she works for the county which means she has plenty of free time during the day. I, on the other hand, don't get paid if I'm not out there actually working.
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