Regarding insurance, here in Ontario my 94 Accord EX is rated to be at
increased
risk for theft, apparently one of the most popular stolen vehicles in
North
America, and this is apparently factored in with my rate. Not sure if
this
applys to the newer Accords.

sonarrat wrote:
> L Alpert wrote:
> > sonarrat wrote:
> >
> >>MAT wrote:
> >>
> >>>"Jarrett Hurd" <stare@thesun.com> wrote in message
> >>>news:QkJne.49$Er.40@fed1read02...
> >>>
> >>>
> >>>>If you do not care about size or anything when it comes to a Honda,
> >>>>which is
> >>>>cheaper to maintain? If one is more than the other is it worth it?
> >>>
> >>>
> >>>
> >>>A stripper DX Civic will be the cheapest to buy/own/maintain.
> >>
> >>But insurance rates will be higher on the Civic. That may turn the
> >>balance the other way, even with the ~$2000 difference at invoice
> >>cost.
> >>-Sonarrat.
> >
> >
> > I just re-upped my policy for my three Hondas (2004 EXL 4 Door Accord, 2001
> > EXL 2 door Accord and a 2002 EX Civic).
> >
> > In looking this over, the Civic is about 60-70% for the same coverage as
> > either Accord.
>
> It must vary by company and area, then. In my area, with AAA, the
> Accord DX is the cheapest car to insure, period - regardless of
> manufacturer. The LX and EX are higher, and the Civics are higher than
> either of those, then the Civic Si is the worst at about 3x as much as
> the Accord DX..
>
> -Sonarrat.

 

Regarding insurance, here in Ontario my 94 Accord EX is rated to be at
increased
risk for theft, apparently one of the most popular stolen vehicles in
North
America, and this is apparently factored in with my rate. Not sure if
this
applys to the newer Accords.

sonarrat wrote:
> L Alpert wrote:
> > sonarrat wrote:
> >
> >>MAT wrote:
> >>
> >>>"Jarrett Hurd" <stare@thesun.com> wrote in message
> >>>news:QkJne.49$Er.40@fed1read02...
> >>>
> >>>
> >>>>If you do not care about size or anything when it comes to a Honda,
> >>>>which is
> >>>>cheaper to maintain? If one is more than the other is it worth it?
> >>>
> >>>
> >>>
> >>>A stripper DX Civic will be the cheapest to buy/own/maintain.
> >>
> >>But insurance rates will be higher on the Civic. That may turn the
> >>balance the other way, even with the ~$2000 difference at invoice
> >>cost.
> >>-Sonarrat.
> >
> >
> > I just re-upped my policy for my three Hondas (2004 EXL 4 Door Accord, 2001
> > EXL 2 door Accord and a 2002 EX Civic).
> >
> > In looking this over, the Civic is about 60-70% for the same coverage as
> > either Accord.
>
> It must vary by company and area, then. In my area, with AAA, the
> Accord DX is the cheapest car to insure, period - regardless of
> manufacturer. The LX and EX are higher, and the Civics are higher than
> either of those, then the Civic Si is the worst at about 3x as much as
> the Accord DX..
>
> -Sonarrat.

 

sonarrat wrote:
> L Alpert wrote:
>> sonarrat wrote:
>>
>>> MAT wrote:
>>>
>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
>>>> news:QkJne.49$Er.40@fed1read02...
>>>>
>>>>
>>>>> If you do not care about size or anything when it comes to a
>>>>> Honda, which is
>>>>> cheaper to maintain? If one is more than the other is it worth it?
>>>>
>>>>
>>>>
>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
>>>
>>> But insurance rates will be higher on the Civic. That may turn the
>>> balance the other way, even with the ~$2000 difference at invoice
>>> cost.
>>> -Sonarrat.
>>
>>
>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
>>
>> In looking this over, the Civic is about 60-70% for the same
>> coverage as either Accord.
>
> It must vary by company and area, then. In my area, with AAA, the
> Accord DX is the cheapest car to insure, period - regardless of
> manufacturer. The LX and EX are higher, and the Civics are higher
> than either of those, then the Civic Si is the worst at about 3x as
> much as the Accord DX..
>
> -Sonarrat.

I just noted that they have a "violation point" on the Civic for some
reason. Last year, the Civic was about 11% higher. I suspect it is because
the other two have front side curtain airbags.

Now, to call the insurance company to see what gives on this violation
point!

 

sonarrat wrote:
> L Alpert wrote:
>> sonarrat wrote:
>>
>>> MAT wrote:
>>>
>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
>>>> news:QkJne.49$Er.40@fed1read02...
>>>>
>>>>
>>>>> If you do not care about size or anything when it comes to a
>>>>> Honda, which is
>>>>> cheaper to maintain? If one is more than the other is it worth it?
>>>>
>>>>
>>>>
>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
>>>
>>> But insurance rates will be higher on the Civic. That may turn the
>>> balance the other way, even with the ~$2000 difference at invoice
>>> cost.
>>> -Sonarrat.
>>
>>
>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
>>
>> In looking this over, the Civic is about 60-70% for the same
>> coverage as either Accord.
>
> It must vary by company and area, then. In my area, with AAA, the
> Accord DX is the cheapest car to insure, period - regardless of
> manufacturer. The LX and EX are higher, and the Civics are higher
> than either of those, then the Civic Si is the worst at about 3x as
> much as the Accord DX..
>
> -Sonarrat.

I just noted that they have a "violation point" on the Civic for some
reason. Last year, the Civic was about 11% higher. I suspect it is because
the other two have front side curtain airbags.

Now, to call the insurance company to see what gives on this violation
point!

 

Scott wrote:
> Regarding insurance, here in Ontario my 94 Accord EX is rated to be at
> increased
> risk for theft, apparently one of the most popular stolen vehicles in
> North
> America, and this is apparently factored in with my rate. Not sure if
> this
> applys to the newer Accords.

The programmable keys/anti-theft/alarm may make a difference. It will at
least keep honest people honest.

>
> sonarrat wrote:
>> L Alpert wrote:
>>> sonarrat wrote:
>>>
>>>> MAT wrote:
>>>>
>>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
>>>>> news:QkJne.49$Er.40@fed1read02...
>>>>>
>>>>>
>>>>>> If you do not care about size or anything when it comes to a
>>>>>> Honda, which is
>>>>>> cheaper to maintain? If one is more than the other is it worth
>>>>>> it?
>>>>>
>>>>>
>>>>>
>>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
>>>>
>>>> But insurance rates will be higher on the Civic. That may turn the
>>>> balance the other way, even with the ~$2000 difference at invoice
>>>> cost.
>>>> -Sonarrat.
>>>
>>>
>>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
>>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
>>>
>>> In looking this over, the Civic is about 60-70% for the same
>>> coverage as either Accord.
>>
>> It must vary by company and area, then. In my area, with AAA, the
>> Accord DX is the cheapest car to insure, period - regardless of
>> manufacturer. The LX and EX are higher, and the Civics are higher
>> than either of those, then the Civic Si is the worst at about 3x as
>> much as the Accord DX..
>>
>> -Sonarrat.

 

Scott wrote:
> Regarding insurance, here in Ontario my 94 Accord EX is rated to be at
> increased
> risk for theft, apparently one of the most popular stolen vehicles in
> North
> America, and this is apparently factored in with my rate. Not sure if
> this
> applys to the newer Accords.

The programmable keys/anti-theft/alarm may make a difference. It will at
least keep honest people honest.

>
> sonarrat wrote:
>> L Alpert wrote:
>>> sonarrat wrote:
>>>
>>>> MAT wrote:
>>>>
>>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
>>>>> news:QkJne.49$Er.40@fed1read02...
>>>>>
>>>>>
>>>>>> If you do not care about size or anything when it comes to a
>>>>>> Honda, which is
>>>>>> cheaper to maintain? If one is more than the other is it worth
>>>>>> it?
>>>>>
>>>>>
>>>>>
>>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
>>>>
>>>> But insurance rates will be higher on the Civic. That may turn the
>>>> balance the other way, even with the ~$2000 difference at invoice
>>>> cost.
>>>> -Sonarrat.
>>>
>>>
>>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
>>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
>>>
>>> In looking this over, the Civic is about 60-70% for the same
>>> coverage as either Accord.
>>
>> It must vary by company and area, then. In my area, with AAA, the
>> Accord DX is the cheapest car to insure, period - regardless of
>> manufacturer. The LX and EX are higher, and the Civics are higher
>> than either of those, then the Civic Si is the worst at about 3x as
>> much as the Accord DX..
>>
>> -Sonarrat.

 

I think if you look you are apt to find that all auto insurance policies
are "experience-rated" to a great extent. The cost of the vehicle bears
some relationship to what you pay for insurance, but it's not the only
factor.

The rating includes (among other things)
1) the percentage of accident claims involving *that* model
2) the average cost to repair *that* model - example, it might be a cheap
car but have an expensive front bumper or radiator
3) the average cost to "replace" it (here's where the value figures into
the insurance equation)
4) vehicle theft history of *that* specific model (how often is this model
stolen compared to other cars)
5) Average ownership demographics (is it a young person's car?)
6) claim history demographics (do you live in a bad neighborhood?)
6) credit score of the owner (very important)
7) driving record of the principal operator (except on parent's policy)
8) claims history of the policyowner (kids accidents will hurt you here)
9) academic record (good students qualify for 10% discount)
etc.

In article <neGdnam1j6Um2D_fRVn-2A@comcast.com> "L Alpert"
<alpertl@xxgmail.com> writes:

>sonarrat wrote:
>> L Alpert wrote:
>>> sonarrat wrote:
>>>
>>>> MAT wrote:
>>>>
>>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
>>>>> news:QkJne.49$Er.40@fed1read02...
>>>>>
>>>>>
>>>>>> If you do not care about size or anything when it comes to a
>>>>>> Honda, which is
>>>>>> cheaper to maintain? If one is more than the other is it worth it?
>>>>>
>>>>>
>>>>>
>>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
>>>>
>>>> But insurance rates will be higher on the Civic. That may turn the
>>>> balance the other way, even with the ~$2000 difference at invoice
>>>> cost.
>>>> -Sonarrat.
>>>
>>>
>>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
>>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
>>>
>>> In looking this over, the Civic is about 60-70% for the same
>>> coverage as either Accord.
>>
>> It must vary by company and area, then. In my area, with AAA, the
>> Accord DX is the cheapest car to insure, period - regardless of
>> manufacturer. The LX and EX are higher, and the Civics are higher
>> than either of those, then the Civic Si is the worst at about 3x as
>> much as the Accord DX..
>>
>> -Sonarrat.
>
>I just noted that they have a "violation point" on the Civic for some
>reason. Last year, the Civic was about 11% higher. I suspect it is because
>the other two have front side curtain airbags.
>
>Now, to call the insurance company to see what gives on this violation
>point!
>

 

I think if you look you are apt to find that all auto insurance policies
are "experience-rated" to a great extent. The cost of the vehicle bears
some relationship to what you pay for insurance, but it's not the only
factor.

The rating includes (among other things)
1) the percentage of accident claims involving *that* model
2) the average cost to repair *that* model - example, it might be a cheap
car but have an expensive front bumper or radiator
3) the average cost to "replace" it (here's where the value figures into
the insurance equation)
4) vehicle theft history of *that* specific model (how often is this model
stolen compared to other cars)
5) Average ownership demographics (is it a young person's car?)
6) claim history demographics (do you live in a bad neighborhood?)
6) credit score of the owner (very important)
7) driving record of the principal operator (except on parent's policy)
8) claims history of the policyowner (kids accidents will hurt you here)
9) academic record (good students qualify for 10% discount)
etc.

In article <neGdnam1j6Um2D_fRVn-2A@comcast.com> "L Alpert"
<alpertl@xxgmail.com> writes:

>sonarrat wrote:
>> L Alpert wrote:
>>> sonarrat wrote:
>>>
>>>> MAT wrote:
>>>>
>>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
>>>>> news:QkJne.49$Er.40@fed1read02...
>>>>>
>>>>>
>>>>>> If you do not care about size or anything when it comes to a
>>>>>> Honda, which is
>>>>>> cheaper to maintain? If one is more than the other is it worth it?
>>>>>
>>>>>
>>>>>
>>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
>>>>
>>>> But insurance rates will be higher on the Civic. That may turn the
>>>> balance the other way, even with the ~$2000 difference at invoice
>>>> cost.
>>>> -Sonarrat.
>>>
>>>
>>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
>>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
>>>
>>> In looking this over, the Civic is about 60-70% for the same
>>> coverage as either Accord.
>>
>> It must vary by company and area, then. In my area, with AAA, the
>> Accord DX is the cheapest car to insure, period - regardless of
>> manufacturer. The LX and EX are higher, and the Civics are higher
>> than either of those, then the Civic Si is the worst at about 3x as
>> much as the Accord DX..
>>
>> -Sonarrat.
>
>I just noted that they have a "violation point" on the Civic for some
>reason. Last year, the Civic was about 11% higher. I suspect it is because
>the other two have front side curtain airbags.
>
>Now, to call the insurance company to see what gives on this violation
>point!
>

 

In article <xNednaWH1-SM2z_fRVn-rg@comcast.com> "L Alpert"
<alpertl@xxgmail.com> writes:

>Scott wrote:
>> Regarding insurance, here in Ontario my 94 Accord EX is rated to be at
>> increased
>> risk for theft, apparently one of the most popular stolen vehicles in
>> North
>> America, and this is apparently factored in with my rate. Not sure if
>> this
>> applys to the newer Accords.

>The programmable keys/anti-theft/alarm may make a difference. It will at
>least keep honest people honest.

Nonsense. "There's no such thing as keeping honest people honest." That's
a very tired old cliche.

Auto theft is a crime of opportunity, perpetrated by thieves. If the
vehicle is parked outside at night or parked in an open-access lot (mall
lot or park-n-ride lot, grocery store lot, your doctor's office lot, etc),
it's likely to get stolen. Anti-theft devices only thwart the unskilled
auto thief. A well-skilled thief knows exactly how to bypass every one of
these devices in a matter of seconds and can steal -any car- he wants to
steal. All he needs is the chance (opportunity). More bold/brazen car
thieves who want a specific car badly enough will even hijack you while
you're in the car and stopped at an intersection. When someone sticks a
gun in your face, what are you going to do? Can't start it? No problem,
legitimate tow truck operators aren't the only ones who have tow trucks.

Devices like "Lo Jack" can very often recover your car or locate it
quickly, but usually *not* before damage, often substantial, has been
done. If they want the wheels or air bags, consider them gone, Lo Jack or
not. Here again, wheel locks only thwart the common thief. The pro will
have the tools to have them off in a matter of seconds.

 

In article <xNednaWH1-SM2z_fRVn-rg@comcast.com> "L Alpert"
<alpertl@xxgmail.com> writes:

>Scott wrote:
>> Regarding insurance, here in Ontario my 94 Accord EX is rated to be at
>> increased
>> risk for theft, apparently one of the most popular stolen vehicles in
>> North
>> America, and this is apparently factored in with my rate. Not sure if
>> this
>> applys to the newer Accords.

>The programmable keys/anti-theft/alarm may make a difference. It will at
>least keep honest people honest.

Nonsense. "There's no such thing as keeping honest people honest." That's
a very tired old cliche.

Auto theft is a crime of opportunity, perpetrated by thieves. If the
vehicle is parked outside at night or parked in an open-access lot (mall
lot or park-n-ride lot, grocery store lot, your doctor's office lot, etc),
it's likely to get stolen. Anti-theft devices only thwart the unskilled
auto thief. A well-skilled thief knows exactly how to bypass every one of
these devices in a matter of seconds and can steal -any car- he wants to
steal. All he needs is the chance (opportunity). More bold/brazen car
thieves who want a specific car badly enough will even hijack you while
you're in the car and stopped at an intersection. When someone sticks a
gun in your face, what are you going to do? Can't start it? No problem,
legitimate tow truck operators aren't the only ones who have tow trucks.

Devices like "Lo Jack" can very often recover your car or locate it
quickly, but usually *not* before damage, often substantial, has been
done. If they want the wheels or air bags, consider them gone, Lo Jack or
not. Here again, wheel locks only thwart the common thief. The pro will
have the tools to have them off in a matter of seconds.

 

Bubba wrote:
> I think if you look you are apt to find that all auto insurance
> policies are "experience-rated" to a great extent. The cost of the
> vehicle bears some relationship to what you pay for insurance, but
> it's not the only factor.
>
> The rating includes (among other things)
> 1) the percentage of accident claims involving *that* model
> 2) the average cost to repair *that* model - example, it might be a
> cheap car but have an expensive front bumper or radiator
> 3) the average cost to "replace" it (here's where the value figures
> into the insurance equation)
> 4) vehicle theft history of *that* specific model (how often is this
> model stolen compared to other cars)
> 5) Average ownership demographics (is it a young person's car?)
> 6) claim history demographics (do you live in a bad neighborhood?)
> 6) credit score of the owner (very important)
> 7) driving record of the principal operator (except on parent's
> policy) 8) claims history of the policyowner (kids accidents will
> hurt you here) 9) academic record (good students qualify for 10%
> discount)
> etc.

Considering nothing has changed from last year to this year along these
lines, and the actual rates on the other two cars dropped slightly and the
Civic went up 50%, I believe there is some erronious information that they
are using.

>
> In article <neGdnam1j6Um2D_fRVn-2A@comcast.com> "L Alpert"
> <alpertl@xxgmail.com> writes:
>
>> sonarrat wrote:
>>> L Alpert wrote:
>>>> sonarrat wrote:
>>>>
>>>>> MAT wrote:
>>>>>
>>>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
>>>>>> news:QkJne.49$Er.40@fed1read02...
>>>>>>
>>>>>>
>>>>>>> If you do not care about size or anything when it comes to a
>>>>>>> Honda, which is
>>>>>>> cheaper to maintain? If one is more than the other is it worth
>>>>>>> it?
>>>>>>
>>>>>>
>>>>>>
>>>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
>>>>>
>>>>> But insurance rates will be higher on the Civic. That may turn
>>>>> the balance the other way, even with the ~$2000 difference at
>>>>> invoice cost.
>>>>> -Sonarrat.
>>>>
>>>>
>>>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
>>>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
>>>>
>>>> In looking this over, the Civic is about 60-70% for the same
>>>> coverage as either Accord.
>>>
>>> It must vary by company and area, then. In my area, with AAA, the
>>> Accord DX is the cheapest car to insure, period - regardless of
>>> manufacturer. The LX and EX are higher, and the Civics are higher
>>> than either of those, then the Civic Si is the worst at about 3x as
>>> much as the Accord DX..
>>>
>>> -Sonarrat.
>>
>> I just noted that they have a "violation point" on the Civic for some
>> reason. Last year, the Civic was about 11% higher. I suspect it is
>> because the other two have front side curtain airbags.
>>
>> Now, to call the insurance company to see what gives on this
>> violation point!

 

Bubba wrote:
> I think if you look you are apt to find that all auto insurance
> policies are "experience-rated" to a great extent. The cost of the
> vehicle bears some relationship to what you pay for insurance, but
> it's not the only factor.
>
> The rating includes (among other things)
> 1) the percentage of accident claims involving *that* model
> 2) the average cost to repair *that* model - example, it might be a
> cheap car but have an expensive front bumper or radiator
> 3) the average cost to "replace" it (here's where the value figures
> into the insurance equation)
> 4) vehicle theft history of *that* specific model (how often is this
> model stolen compared to other cars)
> 5) Average ownership demographics (is it a young person's car?)
> 6) claim history demographics (do you live in a bad neighborhood?)
> 6) credit score of the owner (very important)
> 7) driving record of the principal operator (except on parent's
> policy) 8) claims history of the policyowner (kids accidents will
> hurt you here) 9) academic record (good students qualify for 10%
> discount)
> etc.

Considering nothing has changed from last year to this year along these
lines, and the actual rates on the other two cars dropped slightly and the
Civic went up 50%, I believe there is some erronious information that they
are using.

>
> In article <neGdnam1j6Um2D_fRVn-2A@comcast.com> "L Alpert"
> <alpertl@xxgmail.com> writes:
>
>> sonarrat wrote:
>>> L Alpert wrote:
>>>> sonarrat wrote:
>>>>
>>>>> MAT wrote:
>>>>>
>>>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
>>>>>> news:QkJne.49$Er.40@fed1read02...
>>>>>>
>>>>>>
>>>>>>> If you do not care about size or anything when it comes to a
>>>>>>> Honda, which is
>>>>>>> cheaper to maintain? If one is more than the other is it worth
>>>>>>> it?
>>>>>>
>>>>>>
>>>>>>
>>>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
>>>>>
>>>>> But insurance rates will be higher on the Civic. That may turn
>>>>> the balance the other way, even with the ~$2000 difference at
>>>>> invoice cost.
>>>>> -Sonarrat.
>>>>
>>>>
>>>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
>>>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
>>>>
>>>> In looking this over, the Civic is about 60-70% for the same
>>>> coverage as either Accord.
>>>
>>> It must vary by company and area, then. In my area, with AAA, the
>>> Accord DX is the cheapest car to insure, period - regardless of
>>> manufacturer. The LX and EX are higher, and the Civics are higher
>>> than either of those, then the Civic Si is the worst at about 3x as
>>> much as the Accord DX..
>>>
>>> -Sonarrat.
>>
>> I just noted that they have a "violation point" on the Civic for some
>> reason. Last year, the Civic was about 11% higher. I suspect it is
>> because the other two have front side curtain airbags.
>>
>> Now, to call the insurance company to see what gives on this
>> violation point!

 

"Bubba" <wdg@[204.52.135.1]> wrote in message
news:5g36a1t4g0l8gtcueqn9vc30m448uv1d1r@4ax.com...
> In article <xNednaWH1-SM2z_fRVn-rg@comcast.com> "L Alpert"
> <alpertl@xxgmail.com> writes:
>
>>Scott wrote:
>>> Regarding insurance, here in Ontario my 94 Accord EX is rated to be at
>>> increased
>>> risk for theft, apparently one of the most popular stolen vehicles in
>>> North
>>> America, and this is apparently factored in with my rate. Not sure if
>>> this
>>> applys to the newer Accords.
>
>>The programmable keys/anti-theft/alarm may make a difference. It will at
>>least keep honest people honest.
>
> Nonsense. "There's no such thing as keeping honest people honest." That's
> a very tired old cliche.
>
> Auto theft is a crime of opportunity, perpetrated by thieves. If the
> vehicle is parked outside at night or parked in an open-access lot (mall
> lot or park-n-ride lot, grocery store lot, your doctor's office lot, etc),
> it's likely to get stolen. Anti-theft devices only thwart the unskilled
> auto thief. A well-skilled thief knows exactly how to bypass every one of
> these devices in a matter of seconds and can steal -any car- he wants to
> steal. All he needs is the chance (opportunity). More bold/brazen car
> thieves who want a specific car badly enough will even hijack you while
> you're in the car and stopped at an intersection. When someone sticks a
> gun in your face, what are you going to do? Can't start it? No problem,
> legitimate tow truck operators aren't the only ones who have tow trucks.
>
> Devices like "Lo Jack" can very often recover your car or locate it
> quickly, but usually *not* before damage, often substantial, has been
> done. If they want the wheels or air bags, consider them gone, Lo Jack or
> not. Here again, wheel locks only thwart the common thief. The pro will
> have the tools to have them off in a matter of seconds.

It's true nothing is 100%, but the idea is to discourage the vast numbers of
16yr olds who are looking for an easy mark. The pros seem to favor tow
trucks, and for those the best defense is to turn your wheels sharply and/or
back into the space and set the parking brake (if you are that concerned) to
make your car less attractive. Noise-making alarms with motion, proximity
and glass-breakage sensors will do a lot for reducing air bag theft. For
each model there are things to prevent HID theft. It's all a matter of how
much you want to do and pay for protection.

The professionals don't like to take risks, and all those things are risks
for the various types of thefts. Amateurs are lazy and would rather go to a
car that is easier to steal. Vandals don't care either way and can do
extensive damage. Just pay your money and take your choice.

BTW - my son had a carbureted Subaru and he put a concealed kill switch on
the electric fuel pump. If a carjacker had confronted him, he could catch
the switch on the way out and the bad guy would never have known - the
engine will still idle for several seconds. My son would have been away
clear by the time the evildoer figured out the car didn't just happen to
stall in traffic. I bet there is an equivalent for more modern cars
available.

Mike

 

"Bubba" <wdg@[204.52.135.1]> wrote in message
news:5g36a1t4g0l8gtcueqn9vc30m448uv1d1r@4ax.com...
> In article <xNednaWH1-SM2z_fRVn-rg@comcast.com> "L Alpert"
> <alpertl@xxgmail.com> writes:
>
>>Scott wrote:
>>> Regarding insurance, here in Ontario my 94 Accord EX is rated to be at
>>> increased
>>> risk for theft, apparently one of the most popular stolen vehicles in
>>> North
>>> America, and this is apparently factored in with my rate. Not sure if
>>> this
>>> applys to the newer Accords.
>
>>The programmable keys/anti-theft/alarm may make a difference. It will at
>>least keep honest people honest.
>
> Nonsense. "There's no such thing as keeping honest people honest." That's
> a very tired old cliche.
>
> Auto theft is a crime of opportunity, perpetrated by thieves. If the
> vehicle is parked outside at night or parked in an open-access lot (mall
> lot or park-n-ride lot, grocery store lot, your doctor's office lot, etc),
> it's likely to get stolen. Anti-theft devices only thwart the unskilled
> auto thief. A well-skilled thief knows exactly how to bypass every one of
> these devices in a matter of seconds and can steal -any car- he wants to
> steal. All he needs is the chance (opportunity). More bold/brazen car
> thieves who want a specific car badly enough will even hijack you while
> you're in the car and stopped at an intersection. When someone sticks a
> gun in your face, what are you going to do? Can't start it? No problem,
> legitimate tow truck operators aren't the only ones who have tow trucks.
>
> Devices like "Lo Jack" can very often recover your car or locate it
> quickly, but usually *not* before damage, often substantial, has been
> done. If they want the wheels or air bags, consider them gone, Lo Jack or
> not. Here again, wheel locks only thwart the common thief. The pro will
> have the tools to have them off in a matter of seconds.

It's true nothing is 100%, but the idea is to discourage the vast numbers of
16yr olds who are looking for an easy mark. The pros seem to favor tow
trucks, and for those the best defense is to turn your wheels sharply and/or
back into the space and set the parking brake (if you are that concerned) to
make your car less attractive. Noise-making alarms with motion, proximity
and glass-breakage sensors will do a lot for reducing air bag theft. For
each model there are things to prevent HID theft. It's all a matter of how
much you want to do and pay for protection.

The professionals don't like to take risks, and all those things are risks
for the various types of thefts. Amateurs are lazy and would rather go to a
car that is easier to steal. Vandals don't care either way and can do
extensive damage. Just pay your money and take your choice.

BTW - my son had a carbureted Subaru and he put a concealed kill switch on
the electric fuel pump. If a carjacker had confronted him, he could catch
the switch on the way out and the bad guy would never have known - the
engine will still idle for several seconds. My son would have been away
clear by the time the evildoer figured out the car didn't just happen to
stall in traffic. I bet there is an equivalent for more modern cars
available.

Mike

 

that sounds right


"L Alpert" <alpertl@xxgmail.com> wrote in message
news:hYadnU-BCJf8iD7fRVn-tQ@comcast.com...
> Bubba wrote:
> > I think if you look you are apt to find that all auto insurance
> > policies are "experience-rated" to a great extent. The cost of the
> > vehicle bears some relationship to what you pay for insurance, but
> > it's not the only factor.
> >
> > The rating includes (among other things)
> > 1) the percentage of accident claims involving *that* model
> > 2) the average cost to repair *that* model - example, it might be a
> > cheap car but have an expensive front bumper or radiator
> > 3) the average cost to "replace" it (here's where the value figures
> > into the insurance equation)
> > 4) vehicle theft history of *that* specific model (how often is this
> > model stolen compared to other cars)
> > 5) Average ownership demographics (is it a young person's car?)
> > 6) claim history demographics (do you live in a bad neighborhood?)
> > 6) credit score of the owner (very important)
> > 7) driving record of the principal operator (except on parent's
> > policy) 8) claims history of the policyowner (kids accidents will
> > hurt you here) 9) academic record (good students qualify for 10%
> > discount)
> > etc.
>
> Considering nothing has changed from last year to this year along these
> lines, and the actual rates on the other two cars dropped slightly and the
> Civic went up 50%, I believe there is some erronious information that they
> are using.
>
> >
> > In article <neGdnam1j6Um2D_fRVn-2A@comcast.com> "L Alpert"
> > <alpertl@xxgmail.com> writes:
> >
> >> sonarrat wrote:
> >>> L Alpert wrote:
> >>>> sonarrat wrote:
> >>>>
> >>>>> MAT wrote:
> >>>>>
> >>>>>> "Jarrett Hurd" <stare@thesun.com> wrote in message
> >>>>>> news:QkJne.49$Er.40@fed1read02...
> >>>>>>
> >>>>>>
> >>>>>>> If you do not care about size or anything when it comes to a
> >>>>>>> Honda, which is
> >>>>>>> cheaper to maintain? If one is more than the other is it worth
> >>>>>>> it?
> >>>>>>
> >>>>>>
> >>>>>>
> >>>>>> A stripper DX Civic will be the cheapest to buy/own/maintain.
> >>>>>
> >>>>> But insurance rates will be higher on the Civic. That may turn
> >>>>> the balance the other way, even with the ~$2000 difference at
> >>>>> invoice cost.
> >>>>> -Sonarrat.
> >>>>
> >>>>
> >>>> I just re-upped my policy for my three Hondas (2004 EXL 4 Door
> >>>> Accord, 2001 EXL 2 door Accord and a 2002 EX Civic).
> >>>>
> >>>> In looking this over, the Civic is about 60-70% for the same
> >>>> coverage as either Accord.
> >>>
> >>> It must vary by company and area, then. In my area, with AAA, the
> >>> Accord DX is the cheapest car to insure, period - regardless of
> >>> manufacturer. The LX and EX are higher, and the Civics are higher
> >>> than either of those, then the Civic Si is the worst at about 3x as
> >>> much as the Accord DX..
> >>>
> >>> -Sonarrat.
> >>
> >> I just noted that they have a "violation point" on the Civic for some
> >> reason. Last year, the Civic was about 11% higher. I suspect it is
> >> because the other two have front side curtain airbags.
> >>
> >> Now, to call the insurance company to see what gives on this
> >> violation point!
>
>