Did You Know......

@CatsandDogs (13964)
United States
October 16, 2010 1:07pm CST
Hi Folks! I thought I'd give you some heads up on car insurance. Did you know that a four door car is cheaper in insurance than a two door car? Yup! It's true! The reason I know this is because about 15 years ago, I had a small pickup truck and it cost me over a thousand dollars to insure with full coverage. I asked the insurance company why it costs so much and he told me because it's a two door vehicle. I told him but it's a measly little ole four cylinder pickup truck! He said it didn't matter, it was a two door which is like a sports car. A two door car is compared to a sports car regardless of what kind of vehicle it is. So when I paid that truck off, I traded it in right away for a four door car and my insurance was much much cheaper. Did you know this already or did you learn something new? Your day wasn't a total loss if you learned something new......
5 people like this
9 responses
@quita88 (3716)
• United States
17 Oct 10
Yes, I too learned this a few years back. It's stupid but it's a fact. We only drove pick ups for years with two doors......then we bought an extended cab and the ins. was cheaper !! Ins poor is what we are !!
2 people like this
@CatsandDogs (13964)
• United States
17 Oct 10
Our way of thinking is more car/truck is more insurance cost, right? Strangely enough, it's not who it works in our country. I honestly think it's just another excuse that the insurance companies are allowed to use in order to charge us more and in essence, they make more money...... at OUR expense including knowledge.
@quita88 (3716)
• United States
17 Oct 10
True enough. Ins. companies have us at their mercy. It's like the government. You can't live without them.They have the advantage. I still and so do you need the ins. No getting out of it or around it, we have do what they say or do without...
1 person likes this
@carmelanirel (21108)
• United States
16 Oct 10
I think I heard this, but I wonder what a mini van would be? It actually only has the 2 doors, the third one is a sliding door, so that is a 3 door car, are the payments in between???lol
@CatsandDogs (13964)
• United States
17 Oct 10
That's a really good question! I don't have an answer to that one so you're going to have to call your insurance company to get the answer. If you do, please do let me know for I'm curious. I would imagine it would be cheaper because its considered a family vehicle but it wouldn't surprise me if the premiums are still up there.
1 person likes this
• United States
17 Oct 10
I am going to ask my husband, because I can't see them charging more because of the extra door..lol
1 person likes this
@gdesjardin (1938)
• United States
18 Oct 10
I didn't know that either. We have three children, so all of our cars in the past 20 years have been either 4 door or vans. I guess I can understand why the insurance company makes the comparison of a 2 door car being like a sports car. I am glad I read this discussion, my 21 year old son, was looking at a 2 door mustang and his insurance is already so high because he is under 25.
@CatsandDogs (13964)
• United States
18 Oct 10
Wow..... this is one reason I love mylot so much we all are able to learn new things from each other all the while make such wonderful friends! lol Aren't mustangs considered a sports car regardless how many doors it has? I think it is so maybe it would be wise for your son to reconsider......
@jillhill (37354)
• United States
17 Oct 10
I didn't know that had anything to do with it....but I had a sports car before...bought a brand new SUV....and my insurance dropped even though the other car was five years old! Yup...saved a ton by NOT DRIVING a sports car!
2 people like this
@CatsandDogs (13964)
• United States
17 Oct 10
You know, I bet you that once the word gets around and people start buying four door cars more than the two door cars, that the insurance company will find another excuse to charge us more in insurance just so they don't lose any money. How they get away with this is beyond my understanding.
@paula27661 (15900)
• Australia
17 Oct 10
That is interesting to learn...Here in Australia it depends on the make of car. There are hatchbacks, for example, that cost the same to insure regardless of the number of doors whereas other makes are considered more of the sporty type making them more expensive to insure. It is not the case for every car; they take the make into consideration here.
2 people like this
@CatsandDogs (13964)
• United States
17 Oct 10
Hi Paula.... that's the way it should be unfortunately here in the US, its not done that way. I think it's just another way for the insurance companies to make more money off of us and it's plain wrong. It's cases like this as well as our medical that I wish our government would step in and regulate the wrong doings. Maybe some day they will.....
1 person likes this
@bunnybon7 (33113)
• Holiday, Florida
17 Oct 10
Gee that makes no sense does it? i mean a truck is always safer and less easy to smash up then a car. i was just telling my son who owns a large truck and a blazer. he agreed that must be why the truck costs more to insure. still makes no sense
2 people like this
@CatsandDogs (13964)
• United States
17 Oct 10
Trucks can be more of a hazard than a car in the rain or snow because of the light weight rear end. When I had my truck, I used to put sand bags in the back near the tail gate in order to put more weight back there so I'd get traction. Still, that's manageable so what's the reason for higher insurance when it's just a truck? lol Who knows, but I think it's just an excuse to charge us more to get more money.
@Hatley (159502)
• Garden Grove, California
16 Oct 10
hi catsanddogs No I did learn something new today. I wondered about that as when we had the old international Harvester pickup the' insurance was awful. We got a used four door and it was muc h less'but I did not know why. Now I know why. NOw we do not have a car or someone to drive it. lol so my day is not a total loss. its gloomy and grey out 'but refuses to just rain.ugh;
2 people like this
@CatsandDogs (13964)
• United States
17 Oct 10
I'd love to know what the insurance companies are thinking when it comes to four cylinder vehicles regardless of how many doors it has. I mean, come on! lol Ain't no four cylinder anything like a sports car! Unless there's some hidden Turbo button that we don't know about. lol My very first car was a chevette that I got from my brother which he put through hell but it was a tough ole car except for the body. My dad would joke about it saying, "I can see you now driving down the road with bits and pieces of your car falling off leaving a trail on down the road you go with just the seat and engine" Imagine that! LMBO. The engine was tough but it took forever to get any speed that I joked around saying, "Oh my car can go from 0 to 60 in about 10 minute." And we'd all bust out laughing!! Those were some good rimes in my life....
@ANTIQUELADY (36491)
• United States
16 Oct 10
NO, I didn't know that & i have had 2 pickup trucks, duh. I needed them when i had the antique store. I have never had a sports car except in in 1968 i had a roadrunner & the horn went b-beep just like a real roadrunner but i always wanted a corvette, lol. Wasn't i sporty, lol. i still don't drive an old woman's car. I have a jeep liberty & i love it.
2 people like this
@CatsandDogs (13964)
• United States
16 Oct 10
I had a pickup truck just to have one. lol It turned out to be a good thing too because when I was dating my late fiance, he had a german shepherd mix dog that loved to go for rides. I could leave him in the bed of the truck and go into a store and never worry about him jumping out. He was such a great dog. After my fiance and our babies perished in the fire, I really had no need to have the truck but owed too much to trade it in but once I paid it off, I traded it in for a four door car and my insurance went down quite a bit. Now I have a 05 Hyundai Santa Fe SUV which I love! I've never been a sports car type, lol I've been called a plain Jane but corrected to meaning, in a good way. What can I say?
@leenie50 (3992)
• United States
20 Oct 10
Hey Girl, I learned something new today. I think I've always had four doors with the exception of hubbys truck now. This may be a good reason to go ahead and trade both of our vehicles in for one reliable car. This info should interest hubby quite a bit. Thanks Sweetie!! Talk to you later. Love Ya, Leenie
1 person likes this
@CatsandDogs (13964)
• United States
22 Oct 10
Hey sweetie! Did you tell hubby about it? Is he considering selling his truck now? I honestly think it's just an excuse for the insurance companies to charge more money because how in the world can a four cylinder vehicle be considered a sports car? I don't get it.
@CatsandDogs (13964)
• United States
22 Oct 10
Hey sweetie! Did you tell hubby about it? Is he considering selling his truck now? I honestly think it's just an excuse for the insurance companies to charge more money because how in the world can a four cylinder vehicle be considered a sports car? I don't get it.