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I have heard many people ask this question and they really do not understand why there is or seems to be a different class of insurance for different cars. Let's break the difference down so that you, the reader can understand exactly why certain classes and makes of cars and trucks are so much higher than other cars and trucks. What this simply boils down to is acceptable categories of risk for the insurance company to bear. This means that certain types of cars and trucks, in certain categories will be much higher than a regular car or truck.
If you are looking to insure either a sports car or anything of that nature, rest assured that particular class will be a higher insurance class than say a Chevy Cavalier. The reason why this happens is excruciatingly simple. These cars are created to go faster, and have a higher risk category to them. They are also known to be in the most wrecks and have the most tickets. And age also matters here. If you are an 18 year old trying to ensure, say a Pontiac Trans Am as opposed to a Chevy Cavalier. The Trans Am, even though it is not a current model, will be much higher to insure than the Cavalier.
This is because it is a sports car and not of the same insurance class as the Chevy would be. Now, on that particular note, let's come up to speed and compare apples to apples. Take a comparison between a Porsche and a Ferrari. BOTH are going to be expensive to insure. Both are sports cars, both are flashy and both can reach high speeds. This alone will red flag them for insurance risk. Not many 18 year olds will have these either, unless they are very wealthy.
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Source: http://ezinearticles.com/?Why-is-Automobile-Insurance-So-High-on-Certain-Cars?&id=1900019
