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Old 08-26-2012, 03:41 AM   #61
AutoCadPhotoSHOP

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What has his driving got to do with BMW not being suited for hilly roads?
Do you like to twist content to your own ?

With BMW I obviosuly meant more racecar monsters than just that brand. Mercedes , AUDI.. he'd fly all over the place. Ferrari F40 / Enzo maybe... could.
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Old 08-26-2012, 04:05 AM   #62
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It isn't.
It is. While probably not the sole reason for the higher rates, it is one of the most influential.

http://www.autoinsurancequote.com/bl...kless-driving/
http://liabilityinsuranceumbrella.com/?p=545
+ tons more sources if you google it.
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Old 08-26-2012, 09:35 AM   #63
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It isn't.
Go on then, why do teenagers pay the most insurance? I'm all ears
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Old 08-26-2012, 10:47 AM   #64
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Go on then, why do teenagers pay the most insurance? I'm all ears
Cos if it wasnt they'll all be buying ferrari's and killing them selves a week after they passed.
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Old 08-26-2012, 11:03 AM   #65
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Cos if it wasnt they'll all be buying ferrari's and killing them selves a week after they passed.
I don't think you're giving teenagers that drive Ferrari's enough credit.
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Old 08-26-2012, 05:35 PM   #66
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But than BMW is not made for hill kiind of racing, more for autobahn/snelweg/highway whatever.... flat long pieces with flat curves. Or quick pull up in city like area.
How exactly have I twisted this into my own??

--- Post Update ---

Go on then, why do teenagers pay the most insurance? I'm all ears
For the main part (and this is purely for the UK, it may be the same elsewhere but I don't really know), teenagers pay the most insurance due to their lack of driving experience. Insurance is a purely financial business and the risks are worked out based on the likely cost to the insurance company in the case of an accident. That's why a 20 year old Fiat Panda and a brand new Ford Fiesta will cost roughly the same for a first time driver. Your 90 year old granny is much more likely the have a crash, but it will be at about 2mph so the calculated cost will be much lower to the insurance company.

EDIT: Before you go off on one, know that this is not a comprehensive description and there are lots of other smaller factors. It's all to do with risk assessment though.
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Old 08-26-2012, 07:52 PM   #67
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How exactly have I twisted this into my own??

--- Post Update ---


For the main part (and this is purely for the UK, it may be the same elsewhere but I don't really know), teenagers pay the most insurance due to their lack of driving experience. Insurance is a purely financial business and the risks are worked out based on the likely cost to the insurance company in the case of an accident. That's why a 20 year old Fiat Panda and a brand new Ford Fiesta will cost roughly the same for a first time driver. Your 90 year old granny is much more likely the have a crash, but it will be at about 2mph so the calculated cost will be much lower to the insurance company.

EDIT: Before you go off on one, know that this is not a comprehensive description and there are lots of other smaller factors. It's all to do with risk assessment though.
So how come if you pass your test when you're over 25 you pay a lot less insurance than if you're a teenager? Your amount of driving experience is exactly the same
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Old 08-26-2012, 07:53 PM   #68
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So how come if you pass your test when you're over 25 you pay a lot less insurance than if you're a teenager? Your amount of driving experience is exactly the same
You don't. A guy at work did his driving test last year at 31 and was quoted silly money for anything other than a basic Corsa.

Sure, being young and reckless is one concern, but insurance is a finely calculated risk business.
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Old 08-26-2012, 09:21 PM   #69
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You do

Q
Do car insurance premiums go down when you turn 25 years old?

A
In general, auto insurance companies tend to offer lower premiums once an insured driver has turned the age of 25.

Donít expect a birthday card from your insurer and immediate reduction in your rates though. Car insurance providers donít typically change your rates mid-policy term (unless you make changes like add a car, driver, etc.), so youíll have to wait until your next renewal period to see a lowering of your premium.

Why the drop of rates at 25? Itís not arbitrary; car insurance providers know that statistically young drivers are shown in reports by organizations such as the Insurance Institute of Highway Safety (IIHS), National Highway Traffic Safety Administration (NHTSA) and Center for Disease Control and Prevention(CDC) to be more prone to accidents due to immaturity and inexperience at operating a vehicle.

Risk assessors have determined that those 25 or older are more inclined to be more responsible and that their risk of at-fault accidents has decreased. So the base rate for your car insurance policy changes at this age because youíve matured into a better driver class; itís not a discount for turning 25 as some believe.
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Old 08-26-2012, 09:51 PM   #70
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You do
Well done quoting a website. Notice how they don't say how much it will drop by. Just go and do some fake quotes on comparethemarket.com instead of wasting time trying to prove me wrong.
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Old 08-26-2012, 10:20 PM   #71
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Well done basing your assumptions on the industry on one guy from your work. He pays a lot so it must be the same as if he was a teenager? Is that your logic? Why don't you use google and you'll find 25 is the age where insurance generally drops 20%. Anyway I've wasted enough time arguing this point
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Old 08-26-2012, 10:24 PM   #72
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Well done basing your assumptions on the industry on one guy from your work. He pays a lot so it must be the same as if he was a teenager? Is that your logic? Why don't you use google and you'll find 25 is the age where insurance generally drops 20%. Anyway I've wasted enough time arguing this point
I did some fake quotes to make sure I knew what I was talking about and gave you a real world example. Are you really trying to tell me that you consider 20% off £2,500 a huge drop???
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Old 08-26-2012, 11:02 PM   #73
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I did some fake quotes to make sure I knew what I was talking about and gave you a real world example. Are you really trying to tell me that you consider 20% off £2,500 a huge drop???
Your real world example is useless. You say he's 31 and pays a lot. Relative to what?! 20% of a drop overnight based on whether you're 24 or 25 is a lot. Thats not going from teenager to 31

Ok I did a price comparison for a 4 year old ford fiesta for someone that had just passed their test aged 17 and someone aged 25, that lives in my area. All variables apart from age the same. The cheapest returns were 17 year old - £5838, 25 year old - £1179
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Old 08-26-2012, 11:07 PM   #74
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The cheapest returns were 17 year old - £5838, 25 year old - £1179
PMSL...

Look, lets just agree you're right and move on. It obviously matters to you and it doesn't to me.
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Old 08-27-2012, 02:33 AM   #75
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You don't. A guy at work did his driving test last year at 31 and was quoted silly money for anything other than a basic Corsa.

Sure, being young and reckless is one concern, but insurance is a finely calculated risk business.
you do get cheaper insurance if ur over 25, but insurance companies have gotten round this by claiming that you are classed as inexperienced if you have less that 2 years driving at any age (basically flogging to death the 2 year driving probation the government introduced where if you get more than 6 points you have to retake your test etc, to make more money even though at 25 you are seen more as a mature driver statistically)
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Old 08-27-2012, 05:40 PM   #76
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You know the Nurburgring is now considered a joke amongst car aficionados, after James May made it very very uncool?
I can see that you're in the US, so chances are you've never been there.
I do consider myself a "car aficionado", I've actually been there, I've driven it, and I can assure you that it's is very much, not a joke.
But you will have to drive the track yourself, as it's very hard to explain to someone, who seems to get his opinions about a track. From a person with the nickname "Captain Slow".

So, back to the video at hand.
What are you lot even crying about, it was just an SMG!
I would have been more upset, had it been a manual.
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Old 08-27-2012, 05:45 PM   #77
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I didn't pass until I was 21, but i'm sure my insurance was a lot cheaper than it would have been had I passed at 17.
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Old 08-27-2012, 05:46 PM   #78
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you do get cheaper insurance if ur over 25, but insurance companies have gotten round this by claiming that you are classed as inexperienced if you have less that 2 years driving at any age (basically flogging to death the 2 year driving probation the government introduced where if you get more than 6 points you have to retake your test etc, to make more money even though at 25 you are seen more as a mature driver statistically)
The original claim that I disputed was that you pay a lot less insurance when you're over 25.

We really need a better layout that threads for forums as people never bother reading more than the last post in this format.

--- Post Update ---

I didn't pass until I was 21, but i'm sure my insurance was a lot cheaper than it would have been had I passed at 17.
Go and do some quotes on comparethemarket.com instead of guessing.
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Old 08-27-2012, 05:48 PM   #79
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Go and do some quotes on comparethemarket.com instead of guessing.
I insured my first car for £700, and that was in 2006 I think. It's unheard of for anyone in their teens to be able to do anything like this, even back then. Maybe if I passed today I'd fine things different though.
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Old 08-27-2012, 05:56 PM   #80
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As for the insurance prices, here in Denmark they calculate it based on years of experience. Years of experience, doesn't equal how many years you've had your license. But how many years you've had a car insured in your own name.

This meant that my own brother, who got his license at 25. Payed a bit over £1350 for a low spec Peugeot 206.
To compare, I pay around £480 a year for '92 Subaru Legacy Turbo, and I've had my license since I was 18, and cars insured since then.
I started out paying around the same when I was 18 (for a old Opel Kadett 1.3S), as he did for his Peugeot at 25.
But again, that is here in Denmark.... And as a contry, we hate cars and everything they stand for
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