Toyota pissing me off

[wooverstone8]

Congrats on the new Yaris.

[yaris2010RS]

for me in ontario (if not all of canada) the RS is only on the 5dr. and insurance on a brand new car is bad enough, on a 3dr insurance goes up (especially for 18y/o)

[b_hickman11]

Originally Posted by yaris2010RS

for me in ontario (if not all of canada) the RS is only on the 5dr. and insurance on a brand new car is bad enough, on a 3dr insurance goes up (especially for 18y/o)

Glad I live in Tx where we don't have a different rate for a 3 dr and 4 dr Yaris. We do have different rates for sports cars though. For example, a Mustang's rate is a lot higher than the Yaris.

[yaris2010RS]

wow, thats not bad. yeah man, here in ontario yor rate will go up depending on ure sex, colour of car, type of car, amount of doors, amount of seats, engine size (4l, V6, V8, V12) your postal code (if lots of claims happen in ure area), past driving record (and my insurance company tried to screw me over big time cuz of my fathers driving record) if ure car is classified as a sport or coupe or limited edition...its really bad here. thought it was like this all over north america.....

[thebarber]

Originally Posted by yaris2010RS

wow, thats not bad. yeah man, here in ontario yor rate will go up depending on ure sex, colour of car, type of car, amount of doors, amount of seats, engine size (4l, V6, V8, V12) your postal code (if lots of claims happen in ure area), past driving record (and my insurance company tried to screw me over big time cuz of my fathers driving record) if ure car is classified as a sport or coupe or limited edition...its really bad here. thought it was like this all over north america.....

i asked...colour doesnt matter

vehicle type and # of doors does.

my xrs was a wagon, not a hatch = win win....but they new it was an xrs so it was higher

i don't pay anymore for my red 3dr than i would a black 3dr (even though red cars are faster)

[yaris2010RS]

lmao, if u ask they will give u a straight forward calculation on how they get ure rate, but in reality it is a personal choice of the operator/insurance company. they say red isn't more expensive but call an insurance company asking quotes on w.e car in red, then in a day or so call again and ask about blue.... thats what i did when i was looking at getting a 1990 celica. red and black they wanted more for, the white one was a bit better. (also for my age a red car in my hands i guess would go faster then a white one...) dont get me wrong, they have reasons for all the price fluctuations but it is simply way too much. govenrment needs to step in and stop insurance prices and gas prices.

[thebarber]

im not even sure they asked what colour of car we were buying when i got the quote...i don't think they're allowed?

anyways, we're w/ td meloche....we get pretty good rates w/ them

[yaris2010RS]

yes but whats ure age, teens get screwed everywhere..... my mom gets an amazing rate with her company but they wanted to bend me over.....

[WeeYari]

Originally Posted by yaris2010RS

lmao, if u ask they will give u a straight forward calculation on how they get ure rate, but in reality it is a personal choice of the operator/insurance company. they say red isn't more expensive but call an insurance company asking quotes on w.e car in red, then in a day or so call again and ask about blue.... thats what i did when i was looking at getting a 1990 celica. red and black they wanted more for, the white one was a bit better. (also for my age a red car in my hands i guess would go faster then a white one...) dont get me wrong, they have reasons for all the price fluctuations but it is simply way too much. govenrment needs to step in and stop insurance prices and gas prices.

ummm.....wrong.

I'm not going into battle with you as it certainly isn't worth it. Take it from someone who just exited that industry after 19 years (and no, I didn't sell it so I'm innocent).

[yaris2010RS]

lol, deffinatly not worth it. i only know what i have been exposed to and really, i dont know all the sides or conditions behind my personal results. definatly if u jsut got out of the buisness (doubt u could call it industry) you know much more about the subject then i do.

lol, and could that be behind ure low insurance rates? lol

[yaris2010RS]

nvm, my bad, barber said he had good rates, but i bet u do too

[thebarber]

Originally Posted by yaris2010RS

nvm, my bad, barber said he had good rates, but i bet u do too

im not 18 though...and Wee DEFINITELY isn't! lol

[yaris2010RS]

lol, man, cant wait for toyota meet

[WeeYari]

Originally Posted by thebarber

im not 18 though...and Wee DEFINITELY isn't! lol

LOL, ....and the gloves are now off bud ;)

My last comments on insurance. Yes, it does suck to be a teenager driving these days. I don't know how they/families can afford it. However, the reality is that insurance companies lose money on auto insurance. The average company will lose between 5 to 10 cents on every dollar they collect from you. This is called an underwriting loss. Where the industry trys to make a profit, is from wisely investing those premium dollars for the short period of time that they have it, before it ultimately gets paid out to someone in a claim.

The real problem with the insurance industry, legal and health systems.

[yaris2010RS]

lmao, its true, and in canada (brampton....) lots of people jsut looking for a claim, they think they are getting free money and screwing the insurance company...... they are screwing the honest ones. this is how society works..... the ones in the"wrong" win when the ones following the rules hold up society and allow the slacks to stay and live the way they are..... different arguement for a different time i guess.....

[goku87]

http://www.snopes.com/autos/law/redcars.asp

/stupid argument lol

[goku87]

Originally Posted by b_hickman11

Why would you have to get the 5 dr for your insurance? The RS package is not limited to just the 5 dr. In my region, it comes on the 3 dr and the Sedan.

In Alaska, the sport only comes in the four door hatch as well. Sad times.

[advocate]

Congratulations on buying the new car and also for making one of the longest yarisworld threads in history!