下面引用由rainbow在 2008/05/28 00:51pm 發表的內容： 九千, Guess what? Subaru Impreza made it to the "Top 10 Costliest Car to Insure" list. The following news article discusses why insurance companies charge much higher premium on parti ...
Another unfavorable insurance statistics associated with Subaru Impreza.
Guess what? Subaru Impreza made it to the "Top 10 Costliest Car to Insure" list.
The following news article discusses why insurance companies charge much higher premium on particular type of cars.
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The 10 costliest cars to insure Yes, the cost of repairs has something to do with it, but who drives them and how fast they're driven also are huge factors. Here are the 10 costliest to insure -- and the 10 cheapest.
By Bankrate.com
If you're shopping for a new car, chances are you're considering things such as gas mileage, vehicle size, comfort and even that all-important CD system. But have you checked on the cost of insurance?
A quick call to your agent might help you narrow your choices -- and avoid a second case of sticker shock after you drive your new car home.
The reason: Along with your own driving record, your ZIP code and the demographics of the drivers in your household, the make and model of your vehicle can have a big effect on your insurance bill, says Russ Rader, spokesman for the Insurance Institute for Highway Safety. Of all of those factors, the type of vehicle you put in your garage is the only variable you can change immediately.
"The choice of the car itself is going to affect, in particular, what you will spend for comprehensive and collision," says Jeanne Salvatore, senior vice president of public affairs for the Insurance Information Institute.
Why some cost more Collision-damage costs are one of the main factors in differentiating the cost of insuring one type of car over another, says Rader. To a lesser extent, you also want to look at how attractive the car is to thieves.
Vehicles that top the insurance-cost list tend to be either high horsepower, high dollar or expensive to repair, Rader says. An expensive choice: "Sporty cars that are favored by young drivers who are risky drivers, so they are crashing a lot."
Higher horsepower means the driver is more likely to be going faster and getting into more accidents. That will send insurance rates up for everyone who owns a similar car.
Many of the vehicles that are expensive to insure "share a common problem, and that is horsepower," says Kim Hazelbaker, a senior vice president with the Highway Loss Data Institute, an affiliate of the Insurance Institute for Highway Safety.
Size matters Some think that a smaller, more maneuverable car is able to outrun trouble and avoid crashes. It's a myth, Rader says.
"When you look at the statistics and insurance claims, small sports cars tend to be in more crashes," he says. Adding to the problem: "They tend to be engaged in faster driving."
From a statistical standpoint, the safest models tend to be the full-sized family sedan-type cars, he says.
A few other special circumstances can also send rates through the roof. If a car is a popular target for thieves, your insurance company might charge you higher rates.
If you're driving a high-priced car, it will likely cost more to fix after a collision. As a result, your insurance bill will go up when you add it to the policy, Rader says. Likewise, some luxury or high-end cars feature aluminum body panels that are more expensive to fix or replace than sheet metal, he says.
One other factor to consider: How much damage is your vehicle likely to inflict in a crash?
As sport utility vehicles have become more popular, insurance companies have had to study and factor that issue into premiums, Salvatore says. As a result, if you drive an SUV, your liability premium (which covers damage to other vehicles), could be higher because of the increased damage a vehicle of that size can cause in an accident, she says.
The 10 cars with the most expensive collision losses, starting with the most expensive, from 2002 to 2004 figures from the Highway Loss Data Institute are:
Most expensive models to insure
1) Mitsubishi Lancer Evolution
2) Mercedes CL-Class
3) Dodge SRT-4
4) Subaru Impreza WRX
5) Jaguar XK (convertible)
6) Lexus IS 300
7) Honda S2000
8) Acura RSX
9) Nissan 350Z
10) Jaguar XJ
Don't let the list scare you; insurance cost isn't necessarily a reflection of safety.
"A safe car is not necessarily the cheapest car to insure," Salvatore says. The car itself could also be expensive or just expensive to repair after an accident, which would increase insurance costs.
But a high rate is a red flag to ask a few questions. For instance, if a car has a lot of horsepower and is involved in a lot of crashes, that can also send insurance rates up, even if the car itself is relatively inexpensive.
So if you're getting ready to buy your teenager that dream model and the insurance rate comes back sky high, it may be a tip that it's time to search for another make and model.
The least expensive Sometimes the driver really does make all the difference.
Insurance companies and crash analysts have noticed that vehicles most often associated with family transportation -- such as minivans, station wagons and family sedans -- get in fewer crashes than the high horsepower hotrods that appeal to young male drivers.
"It's pretty traditional to see things like station wagons and minivans there -- vehicles probably operated by soccer moms in non-aggressive fashion," Hazelbaker says.
In addition, many (but not all) of the vehicles that rank low in collision costs also tend to be "generally, not real expensive vehicles," he says.
The 10 least expensive models to insure, in terms of collision losses, starting with the least expensive are:
Least expensive models to insure
1) Volvo XC90
2) Chevrolet Malibu Maxx
3) GMC Safari
4) Buick LeSabre
5) Nissan Pathfinder Armada (2004 only)
6) Pontiac Montana (standard model)
7) Mazda MPV
8) Ford Thunderbird
9) Pontiac Montana (extended model)
10) Ford Taurus (station wagon)
Just as with the most costly picks, a variety of reasons can land a vehicle on the least expensive list. For instance, the Volvo XC90 and Chevy station wagon that make the top of the "best" list are "likely to be family vehicles, driven differently than the vehicles on the "worst" list," Rader says. And the Ford Thunderbird, he says, "tends to be a second or third car and is not driven as often."
By Dana Dratch. She is a freelance writer based in Atlanta.
A New York City man died after being thrown out of a car's sunroof during a rollover crash Friday on Interstate 690 in Van Buren, state police said.
Pui Choeng Wong, 63, a back-seat passenger, was pronounced dead at the scene.
Wong's son, Raymond Wong, 24, also of New York City, was driving a 2007 Scion coupe at 7:39 p.m. on the highway's westbound off-ramp to the state Thruway when he lost control going too fast around a curve, said Sgt. Ed Foster, station commander of the Lysander barracks.
The car rolled twice, throwing Pui Choeng Wong onto a grassy median 30 feet away, Foster said.
Raymond Wong's mother, Mun Lan Wong, 59, was in serious condition at University Hospital, Foster said. Raymond Wong was in stable condition at Community General Hospital.
Foster said it appeared none of the occupants was wearing a seat belt.
"In this collision, seat belts absolutely would have made a difference," Foster said. "The interior of the car was intact" after the crash.
I don't know about the insurance companies in Hong Kong. In the U.S., insurance coverage for Sports Car tend to be more expensive. The actuaries calculate the risk of car accidents, drivers of sports car have a greater tendency to drive at high speed = higher chance of car accidents = higher insurance premium.
Subaru Impreza sounds like a sports car.
The other factor is age. Male drivers who are less 35 years old tend to pay much higher insurance premium.
There are 2 recent car accidents involving young Male drivers. Both of them are Chinese male less than 25 years old. These 2 young male drivers are the main reasons insurance companies charge them a much higher insurance premium.
Frat grieves loss of brother after weekend crash By Ashley Tarr, Pipe Dream Originally published Tuesday, May 6, 2008
A single-car accident resulted in the death of a Binghamton University student this weekend. The driver of the car, who was the victim’s fraternity brother, was charged with vehicular manslaughter and driving while intoxicated.
Willie Poon was one of four passengers in a vehicle that went off the road at 11:10 p.m. on Friday, according to the Tompkins County Sheriff’s Office. The driver was Rolyden C. Liu, a member of Poon’s fraternity Lambda Phi Epsilon.
According to police, the car, a 2001 Acura MDX registered to one of Liu’s relatives, was traveling east on Route 79 in Tompkins County, a quarter mile before the Tioga County line, when it left the roadway and struck a tree. One passenger said the group was heading back from Cornell University after visiting a fraternity house there.
Liu’s blood alcohol level was unknown at the time of print, and is still being tested. Police could not say whether he was speeding, but there were no skid marks in the roadway. It’s possible he drifted or fell asleep, said Capt. Derek Osborne, but the road was fairly straight and in good condition.
Route 79 does not have an overwhelming history of accidents, according to police.
The most damage was done to the car’s passenger side, where the tree impacted the car. Poon was sitting in the backseat on the passenger’s side, the report states.
Poon, a senior at BU, sustained a serious head injury and was transported to Cayuga Medical Center, where he was pronounced dead by hospital staff at 2:55 a.m. on Saturday, police said.
The other passengers suffered scrapes and bruises, and were treated and released. Two of them are also BU students, while the other attends the University of Michigan.
There were no other witnesses to the accident other than the passengers.
Liu was initially charged with driving while intoxicated and vehicular assault, a felony in the second degree. After Poon’s passing, Liu was re-arraigned on the charge of vehicular manslaughter, also a felony.
He was sent to Tompkins County Jail in lieu of a $25,000/$50,000 cash/bond bail. He was bailed out Saturday morning and was scheduled to appear in the Town of Caroline Court today at 9 a.m.
Timothy Chan, Lambda’s fundraiser, described Poon as a “gentle giant,” a very caring guy and the type of person who never had bad intentions.
“He loved to laugh, he loved to do harmless practical jokes,” Chan said. “He touched a lot of people.”
It was Poon’s affinity for meeting new people that drove him to visit colleges in Massachusetts, California and several other states, according to Chan. Students from the University of Toronto, the University of Massachusetts and UT Dallas, among other colleges, inscribed the Facebook wall of a group dedicated to Poon with messages of shock and remembrance of “Strobe” — a nickname Poon went by.
“On the East Coast, nationwide pretty much, everyone knew him as Strobe,” Chan said. “If there was one person who knew everybody, he knew everybody.”
Chan described Poon as a beloved member of his fraternity, and a role model for the pledge class he coached last semester as pledge master.
“He actually took a fatherly role to [his pledges],” he added. ”He loved his class.”
Poon loved watching movies, working out, going to clubs and just enjoyed being around people.
“You could always look forward to seeing his patented smile, which would brighten anyone’s day,” said Jason Chen, another member of Lambda.
Mark Iong, a member of the CU’s Lambda chapter, said Poon had come for a barbecue at his fraternity house that Friday, and was there to celebrate Slope Day, a Cornell University-sanctioned event featuring food, music, games and alcohol for guests of age.
The annual celebration includes a portion of the day called “Slope Fest,” which takes place in a fenced-in area where alcohol is sold. Students need a valid ID and a stamp to buy alcohol, and are limited to five cups of beer — sold one at a time — for the entire event, which began at noon and ended at 5:30 p.m., according to Simeon Moss, director of press relations for CU.
“Willie’s always been there, not just for his BU brothers but also Cornell,” Iong said. “We never would’ve expected something like this would happen.”
— Robert Hadad-Zlokower and Erika Neddenien contributed reporting to this article.
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