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View Full Version : We drive $45,000 to $50,000 cars

Drew
05-13-2003, 03:58 PM
One of the clients I audit is an auto insurance company. One of the things I had to do today was test premium calculations. So, there is this big book that has every car rated. It rates them on a double digit number with the number equating to a price range of the car. The higher the number, the higher the price range...the higher the price range, the higher the premium. So, just for sh!ts and giggles, I looked up the Celica. The GT-S was rated as a 23 which equates to a $45,000 to $50,000 car. Thus, one of the reasons our insurance rates are so high. :faint:
kabal57
05-13-2003, 04:14 PM
man what kinda **** is that?
Do all insurance companies go by that or what?
thats dookie cause my ins went up from $130 to $170 with no points or accidents on my record..
i hate insurance. :bang:
The Game
05-13-2003, 04:25 PM
Some one please go trash my car!
chrono9six
05-13-2003, 04:39 PM
I pay 84 a month in liability. I pay 1130 every six in comp and collision. I am aslo 22 years old. I dont think that is terrible.
CreepingJeff
05-13-2003, 04:42 PM
Originally posted by chrono9six
I pay 84 a month in liability. I pay 1130 every six in comp and collision. I am aslo 22 years old. I dont think that is terrible. you're paying too much.
chrono9six
05-13-2003, 05:04 PM
Jeff what are you paying?
CeliCar
05-13-2003, 05:40 PM
Originally posted by The Game
Some one please go trash my car!

Ok, but I want a 25% cut off that 50k.











BTW, We never had this conversation. ;)
zcs626
05-13-2003, 06:41 PM
thats really :gay:
The Game
05-13-2003, 09:15 PM
Originally posted by CeliCar


Ok, but I want a 25% cut off that 50k.











BTW, We never had this conversation. ;) We'll delete our posts ;)
KrazY-2K
05-13-2003, 09:41 PM
That's why the insurance company thinks my Celica is a GT... :D
Burrcold
05-13-2003, 09:55 PM
Originally posted by KrazY-2K
That's why the insurance company thinks my Celica is a GT... :D

that is a pretty good idea if they dont find out
buckeye23
05-13-2003, 10:00 PM
That's a bunch of bull****.
KrazY-2K
05-13-2003, 10:05 PM
Originally posted by Burrcold


that is a pretty good idea if they dont find out

They won't cuz my insurance company is pretty lazy at stuff like that :D I can probly debage my GT-S emblem heeheheheh
GTS808
05-13-2003, 10:40 PM
My insurance rates just went up for no reason when I got my renewal. I have no tickets or accidents. So when I called them to ask why the rates went up they told me that everyones rates went up. They told me it was because they lost a ton of money due to claims, most were false and they had to spend lots of money to ivestigate, and they upgraded the Celica to an intermediate level sports car. :wtf:
CelicaLicious
05-13-2003, 10:49 PM
Originally posted by KrazY-2K


They won't cuz my insurance company is pretty lazy at stuff like that :D I can probly debage my GT-S emblem heeheheheh

do they not look at vin #'s
TRD GT-S
05-13-2003, 10:52 PM
Originally posted by KrazY-2K


They won't cuz my insurance company is pretty lazy at stuff like that :D I can probly debage my GT-S emblem heeheheheh
hmmm...:P
Speck102
05-13-2003, 11:00 PM
You think that's bad? When I transferred my insurance from my 2001 GT-S to my old assed 97' Prelude, my premium went up about $150 a year.
F22-Raptor
05-14-2003, 05:13 AM
Originally posted by KrazY-2K


They won't cuz my insurance company is pretty lazy at stuff like that :D I can probly debage my GT-S emblem heeheheheh

Yeah thats a good idea until you total your car and the give you the payoff for a GT :rolleyes:
Deaks2
05-14-2003, 06:07 AM
Telling them you have a GT when you really have a GT-S will backfire.

Either they wiill not do their jobs and when time comes to claim either deny you insurance or give you the payout for a GT.

Most probably they go by the VIN, so in fact they know you have a GT-S.

When I used to work at All-State Canada we had a man who had totalled his Camry, on our insurance ticket he claimed to have had a base model I4 to get lower rates, when in fact he had an XLE V6. Not only did we cancel his insurance (so now he cannto be insured by anyone for 6 years) but we also took him to civil court for damages, and then after that we file da crimminal complaint. The man now has a crimminal record for insurance fraud.

Harsh, yes, but I remember when I used to work there, if they are not careful they lose a ton of money, literally, a ton.
F35-JSF
05-14-2003, 06:58 AM
Originally posted by KrazY-2K
That's why the insurance company thinks my Celica is a GT... :D


They could deny you coverage or even have you charged for ins. fraud. (worst case)
CelicaDetective
05-14-2003, 11:05 AM
Looks fast AND expensive!
skamikaze
05-14-2003, 01:14 PM
insurance fraud aint a thing to play with. and thats one of the fricken reasons rates go up.