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Liability Insurance 1993 945T 900 1993

posted by  htnelson on  Sat Feb 15 07:04 CST 2003
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last visit: Thu Feb 20 22:33 CST 2014
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Just bought an excellent 1993 945T. Live in California. Liability insurance was as high as a 1989 5.0 mustang I own. When I questioned the agent they said that cars are rated as liability risks on scale 1-16. The Mustang is a 15 and the Volvo 945 is a 12. Family Windstar van is a 3. I am mid 50's totally clean driving record. Anyone have a clue why 945T wagon is such a liability risk? Possible crossover from 940T (which might be driven like a mustang or camero)?
Love the car but not sure $1550/year liability worth it on a $5000 car.
Howard








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    Liability Insurance 1993 945T 900 1993

    uid 13809's pic
    posted by  Alex Z on  Sat Feb 15 22:12 CST 2003
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    last visit: Thu Oct 3 04:30 CST 2013
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    I (would) pay about $200/yr for minimum liability on the wagon thru AARP/The Hartford. SF Bay Area. My two cars, and my dad's 99 Civic are on the policy (so some multiple car discount applies I'm sure). As it stands I paid ~$80 for the duration of the 12 month period (up in July) when I bought the wagon in January. I seem to remember being told by 21st Century that for minimum liability the choice of car wouldn't be a factor.

    I pay about $800/yr (or was it $600/yr.. hmm.) on the sedan for more sane levels of insurance (I'll have to check the limits).

    Of course, when I had the Taurus I was paying something insane.. nearly $1400/yr if my memory serves me correctly.

    I'm 20, single (still looking for that volvo geek girl :-D), and have a clean record.

    - alex

    '85 244 Turbo
    '84 245 Turbo








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    Liability Insurance 1993 945T 900 1993

    posted by  Volvodad on  Sat Feb 15 18:10 CST 2003
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    last visit: Thu Oct 23 16:18 CST 2014
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    I also live in CA and also just acquired a 940 (but non-turbo), and am also north of my 50th BD. We're insured through the Automobile Club (AAA), and added the 940 to our other covered cars. Quoted premium was $460. This is for $500k bodily injury and $100k property damage liability and $500 deductible collision, plus the usual stuff they seem to throw in. You won't hear a quote like this unless (like us) you have other cars and your house insured with them - but it sounds like you are being quoted very high by your present outfit. Of course premiums are very location sensitive in CA - we live in a small town. Try AAA.
    --
    Bob (81-244GL B21F, 83-244DL B23F)








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    Liability Insurance 1993 945T 900 1993

    posted by  the kick inside on  Sat Feb 15 12:30 CST 2003
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    last visit: Thu May 17 09:58 CST 2007
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    Well it goes like this.... they are damn quick! Take a look at the perfomrance figures.... i dont know about a mustang of 50's vintage but the brick may be quicker (i wouldnt be suprised!). In the uk They are rated group 17 (of 20) which puts them right up there...

    they are fast cars with expensive parts and when they hit things you tend to survive (which may i guess have some sort of invverse effect on what you hit....)

    like they say you get what you pay for..

    PS is suspect the turbo is higher as stupid idiots keep giving them to 17 yo's..and they can be a handfull especially in the wet if driven with a heavy right foot!







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      A fact, an opinion, and a request 900 1993

      uid 6573's pic
      posted by  javalion on  Sun Feb 16 09:41 CST 2003
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      last visit: Wed Jul 23 09:57 CST 2014
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      I had checked w/ Allstate, and the insurance cost is the same for a 940T as the NA in NC.

      I think most people agree that the normally aspirated B230's power is "just adequate", and many say it is under powered. I think the T is powered the way a car should be, maybe because I am used to V8's or and quicker 6's. Kick, I know your opinions with a 17 year old behind a turbo and Kick, if I didn't trust my son in a T, he wouldn't be driving one. Driving with him, whenever possible, he knows when to use the extra HP and when not to. He knows how to follow a safe distance, defensive driving, common sense driving like using turn signals when so many don't. If this ice coming down builds up today we will be on it, reacting to slipping and sliding and ABS braking (in a safe situation of course). WE will be putting $300+ in parts into it, not me or a mechanic. He is paying for the car, parts and insurance, not me. He knows how another son's friend, the 18 year old next door died speeding and loosing control two years ago. There are also may other ways a kid can get into accidents besides having extra HP. This is my 5th and last child I am putting behind wheels. Among them, with 23 years of driving, the worst thing that has happened were two speeding tickets, and I was not happy about that. The kids were forgiven by the court (no points) with safe driving school attendance, because the speeding was minimal. I can't think of a much better car to put my, I repeat, MY 17 year old into. Please don't generalize and put me into your "stupid idiot" category.
      --
      Tom F








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        A fact, an opinion, and a request 900 1993

        posted by  the kick inside on  Sun Feb 16 10:02 CST 2003
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        last visit: Thu May 17 09:58 CST 2007
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        "I think most people agree that the normally aspirated B230's power is "just adequate""

        depends how u tune them i guess, my bro's will go off the dial...


        "I know your opinions with a 17 year old behind a turbo and Kick, if I didn't trust my son in a T, he wouldn't be driving one. Driving with him, whenever possible, he knows when to use the extra HP and when not to."

        Great, its a genralization of course, - but genrally inexperience, power and testorone can make a lethal combination..go ask a paramedic who attends car accidents...

        "I can't think of a much better car to put my, I repeat, MY 17 year old into. "

        I thouroughly agree - apart from the turbo bit, but like you say your child isnt typical...

        I didnt, i said stupid idiots did - beware the black swan falasy!

        If you want to know what i was talking about go look at turbo bricks with all the pics of 17 yo's doing 'burn outs etc...'

        As to the insurance rating i can only go on what i know which is over here most insurance companies wont insure a turbo for under 25yo - not expensive - WONT and they count Group 17 which is porsche 911 teritory...

        But then again maybe thats a reflection of the fact that our roads are busy and twisty and you get almost NO automatics here..

        Sorry you took offense it wasnt ment..of course some 17' yo's are very good drivers - just 9 times out of 10 when i find some idiot hanging 6 feet off my rear end in a little tin can on icy roads...thats about the age they are...







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          A fact, an opinion, and a request 900 1993

          uid 6573's pic
          posted by  javalion on  Sun Feb 16 14:12 CST 2003
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          last visit: Wed Jul 23 09:57 CST 2014
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          I am "cool" Kick, no issues.
          Around here, Volvos are not the car to "hot rod" although I suppose they could be. (NC is NASCAR country.) We have the classic and new V8 Camaros, mustangs, and the readily available classics like the Nova SS that someone pumps 5k into before they realize they are to old or can't afford it anymore. I have seen a few wacky souped up "The Fast and the Furious" Hondas and Toyotas. I think it's a joke.

          The younger drivers have the lack of experience and that combined with typical over confidence is the worst mix. I agree, the T adds an element and I think it's minor in this case. My son once said that his age group should be better at driving because of quicker hand eye coordination. I said it's not like a video game and I asked him to think about the importance of driving experience and why the 18yo neighbor died in the accident and why the 17yo on the other side got into an accident (her fault), and why the 18yo across the street ended up in the ditch during an ice storm and why insurance rates are sky high for the first three years of driving. He understood.
          We had an ice build up on the roads today and my son was able to "experience" some out of control sliding and ABS stopping. Too bad it's not available in drivers ed.

          Both my wife and son saw your post and my reply and it just reinforces my expectations of his responsibility behind the wheel, and for that, Kick, I thank you.
          --
          Tom F








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    Liability Insurance 1993 945T 900 1993

    posted by  Brandon on  Sat Feb 15 08:18 CST 2003
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    HT,
    I live in California and I am a 20 year old driver, I own a 960 and I have full coverage insurance. "The Works" and I am paying less than $1000/year to insure my 96 960. Not too sure the liability rating but ask your rep what a 940 Non turbo cost to insure. Maybe its time to change companies.

    Brandon








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      Liability Insurance 1993 945T 900 1993

      posted by  alchemist on  Sun Feb 16 18:54 CST 2003
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      last visit: Sat Jun 18 18:01 CST 2011
      [RELATED]

      See thats the funny thing with insurance....shop around for a better quote. I got a quote 30% less than a price i was originally willing to pay for my two bricks.....shop around and you'll find something...although quotes these days are tied to your credit report so that can help or hinder you







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