Originally posted by advocate:
now i pay about $840 a month and im guessing collision on my car is 1/3 - 1/2 of that.
My God man! $840 a month for just insurance?!? Hopefully you have car payments included in that number? If I had to pay that much for insurance, I would take the bus. Seriously.
Anyway, if you're looking at keeping the insurance down, make sure the car has 4-doors. That would mean SHO, not T-bird SC. With insurance companies, how many doors it has and what profile it fits matters more than what is under the hood, as idiotic as that sounds. Case in point: insurance for an SHO or Impala SS is much less than it is for a Dodge Avenger, even though the SHO and SS are MUCH faster cars. Why? Because the SHO and SS are based on 4 door FAMILY sedans which are part of a low risk grouping (i.e. mostly older, experienced drivers buy them), and the Avenger is a "sporty coupe" which is part of a high risk grouping (i.e. mostly inexperienced teenagers buy them).
You can beat insurance companies at their own game by finding little loopholes like this. In this case, performance sedans slip under the underwriter's radar screen as a high risk vehicle.
