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insurance premium CHEAPER on 2011 than 2007

Discussion in '2nd Gen. Tacomas (2005-2015)' started by NWtacoma, Jan 28, 2011.

  1. Jan 28, 2011 at 10:48 AM
    #1
    NWtacoma

    NWtacoma [OP] Well-Known Member

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    Kent,WA
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    265/70/17 bfg AT
    how is this possible? just got my new premium on my 11 4x4 dcsb and its 15 dollars a month cheaper than my 07 prerunner access cab 6speed.

    is it the star safety system??
     
  2. Jan 28, 2011 at 10:51 AM
    #2
    buddywh1

    buddywh1 Well-Known Member

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    For which coverage? or multiple?

    Does the '11 have air bags all around (star safety system)?
     
  3. Jan 28, 2011 at 10:52 AM
    #3
    NWtacoma

    NWtacoma [OP] Well-Known Member

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    full coverage on tacoma. yes side airbags and star.
     
  4. Jan 28, 2011 at 10:55 AM
    #4
    NetMonkey

    NetMonkey Well-Known Member

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    Toytec Ultimate Lift @ 3", Mickey Thompson MTZ's 285/75/16, Moto Metal 955b, rear 2" ALL, Marlin Crawler sliders
    its crazy how insurance companies come up with rates sometimes.

    for example, my 2010, DC, 4x4 is $200 cheaper per year to insure than my wifes 2006 scion TC. we both are the same age, no accidents, no tickets, and exact same coverage on both vehicles.

    go figure.
     
  5. Jan 28, 2011 at 10:56 AM
    #5
    jpmorrisvb

    jpmorrisvb Well-Known Member

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    Clazzio seat covers, KB Voodoo Powder Coated Tailgate Cap, OEM running boards, ImMrYo Rear-View Mirror Lift Bracket, 35% Tinted windows, EGR window vents, color matched door handles and tail gate lift, WeatherTech FloorLiners, OEM bed mat, sound dampening on rear wall and rear doors, on anytime foglight mod
    6 Air bags, immobilizer perhaps, less miles driven per year ......... mine dropped from my '06 to '10 ...... USAA.
     
  6. Jan 28, 2011 at 10:58 AM
    #6
    05Moose

    05Moose Middle-Aged Member

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    In the snow (NorCal)
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    '05 4x4 DC LB SR5 (LSD & Tow Pkg), Timbrens, AAL, 5100s (.85), Owned: 12/3/04 Mods: Fog, Map/Dome Light, Illuminated 4wd Switch, Washable Cabin Air Filter
    Access Cab probably has more claims against it versus the double cab. Less claims = less premiums. That's in addition to all the extra airbags.
     
  7. Jan 28, 2011 at 11:27 AM
    #7
    buddywh1

    buddywh1 Well-Known Member

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    The theory is the same as 2 door coupes vs 4 door cars. 4 door cars are 'family' cars...2 door coupes are 'sporty' cars.

    Not that theories like that matter...the insurance company as actual crash and citation data that they use. If it supports the theory...bingo.
     
  8. Jan 28, 2011 at 11:49 AM
    #8
    Pugga

    Pugga Pasti-Dip Free 1983 - 2015... It was a good run

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    Sounds like justification to trade my '07 to a 2011 :D
     
  9. Jan 28, 2011 at 11:52 AM
    #9
    Simon's Mom

    Simon's Mom Wag More Bark Less

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    Stock for now
    I was thinking the same thing ;)
    only it would be 06 to 11.
     
  10. Jan 28, 2011 at 12:08 PM
    #10
    toojayz

    toojayz Well-Known Member

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    There are lots of variables that could cause rates to go up or in your case down. The most common reasons for a premium to go down are:
    1. You have purchased a home
    2. You have been married
    3. You are "older" now
    4. You have lost any chargable accidents or insurance points you may have had
    5. You are driving a "safer" car ie: abs brakes, multiple airbags, glass etching, VSC, burgular alarm, etc
    6. You have not had any "incedents" that would impact your premium in the last 3 year's.

    Like I said, there are many reasons this may happen. Hope this makes sense
     
  11. Jan 28, 2011 at 12:43 PM
    #11
    05Moose

    05Moose Middle-Aged Member

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    In the snow (NorCal)
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    '05 4x4 DC LB SR5 #8 (LSD, Tow Pkg)
    '05 4x4 DC LB SR5 (LSD & Tow Pkg), Timbrens, AAL, 5100s (.85), Owned: 12/3/04 Mods: Fog, Map/Dome Light, Illuminated 4wd Switch, Washable Cabin Air Filter
    I know others answered your question, but I'll just add that my quick explanation may or may not be the cause in your case. But to explain further...The insurance industry takes a look at each model and uses the accident rates for those models to some extent in basing their rates. Ours varies from year to year because of either increased accidents or decreased accidents across the nation with our model. If there's more accidents and the costs to repair those vehicles is high, then we pay higher premiums. We get a letter to this effect spelling it out if our rates go up (which they've done before in the past and sometimes they've even gone down as a result). No different than buying a sports car versus a truck. While you can find two that are the probably the same purchase price, which one are you going to pay a higher premium on? That's right, the sports car. But it's not because of what it is, but rather a higher incidence of accidents requiring repairs (I'll admit, that may be a bad example with the higher volume of people owning trucks now and probably a lot more accidents and damage). And you know they do this at the model trim level because they want the VIN to lookup the trim level (2wd vs 4wd, TRD vs SR5 vs Base, etc) aside from other reasons.
     
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