About car insurance companies (& their rates)……..?
Hi, I’ve got a general question about car insurance companies.
Do companies really charge more to insure a 2 door car versus a 4 door car? I understand the whole 2 door=sports car theory, but not every two door is sporty. Does it really make that much difference?
For instance, there’s a 2001 Chevy Cavalier 2 door in my local newspaper for $2500. Would my parents pay more for insurance coverage on it than if it was a 4 door Cavalier? As far as I know, this one isn’t a Z-24–it’s just a run-of-the-mill Cavy.
Thanks in advance!!! 
Insurance rates are calculated with complex algorithms that take into account lots of factors and information. I really doubt an ‘01 Cavalier, be it a two door or four door, will change your rates enough to even notice. Just because it’s a two door does NOT make the car faster but long term information crash data might show that young drivers in two door Cavaliers crash more often than young drivers in a four door. Who knows? Like I said before, I seriously doubt the rates would chance much if at all on a seven year old car.
July 17th, 2010 at 7:58 am
The insurance companies see it as a sports car if its two doors. i never had a 4 door car, just cuz i dont like them, but i have an 05 honda civic, insured by Allstate and pay more cuz its 2 doors.
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July 17th, 2010 at 8:11 am
How many doors, how many cylinders, your age, your driving record, your credit score, this all determines how much you will pay for your insurance.
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July 17th, 2010 at 8:34 am
Some do, some don’t.
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July 17th, 2010 at 9:13 am
Insurance rates are calculated with complex algorithms that take into account lots of factors and information. I really doubt an ‘01 Cavalier, be it a two door or four door, will change your rates enough to even notice. Just because it’s a two door does NOT make the car faster but long term information crash data might show that young drivers in two door Cavaliers crash more often than young drivers in a four door. Who knows? Like I said before, I seriously doubt the rates would chance much if at all on a seven year old car.
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Claims cowboy