What should determine your car insurance?

[[TC]►Leon◄]

Get over yourselves. It´s simple logic: Risk vs gain. If I were the insurance company and you, an 18´ish year old, wanted to insure your first car which ofcourse would be a lowered and pimped out BMW 325i E36 or something like that, I´d assrape you until you bought something more sensible like a Fiat Panda. The odds of you killing yourself, your passengers and causing carnage, costing me thousands and more thousands of pounds is far greater in the BMW than the Fiat. I don´t care about your health and well being. I care about my company and its income. If you can´t deal with that, find another company. Your not worth the risk to me.

The same goes for the increase in prices depending on area. If your car is surrounded by assholes and you live in an area mainly consisting of losers on welfare, I wouldn´t touch it since the odds of the car being damaged and/or stolen are far greater. It´s not exactly rocket science and bitching about it simply doesn´t make sense.

I´ve been 18 and had my first car too. I drove like an asshole all the time and so did most of my friends. Most guys tend to do that, since they´re interested in cars, measuring *Removed* sizes etc. and that´s why insurance is higher for males than females. It sucks, but it´s true.

- Leon


Edit: I didn´t read any of the posts, so this doesn´t make any sense, sue me.