tC Insurance. Is it a "Sports Car"?
 

One of the things my parents want to avoid in getting a new car is the insurance of a Sports Car.

What did everyone's insurance companies classify it as? A friend of mine told me it is considered a sedan, but I'm not sure if he's right.

Thanks

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I don't know about everyone, but my insurance considered it a sedan. My wife works in the insurance agency and they mark cars by points.
I had a Celica that was marked at 22 points and when I got the tC it was rated at 7-8 points. That is a considerably great drop for a premium.

Hope that helps.

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ding ding ding! That answer was perfect thanks! If anyone else has it classified as anything different let me know, but that should cover it.

Toyota calls it a Liftback Coupe. Shop around for insurance. Insurance companies classify vehicles differently. For example the xB classified by the Feds and State Farm as a VAN (low insurance). Other companies classify it as a SUV ($$$)

Anyone that thinks a tC is a sports car is deluded.
I can't see any insurance company considering a tC a sports car.

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Talking to my insurance agent was one of the first things I did when I was looking for a new car, and I found out that the tC, Civic Hybrid, Matrix and the Prius all have approximately the same insurance cost per month in my particular case. And it's only a $40 increase in my monthly payment over a dead '88 Accord that's currently classified as being "in storage" because it can't move under it's own power.

You should get a very reasonable insurance rating for it.

My insurance has it listed as a Toyota Scion.
So I guess they put the tC/xB/xA in one class.

Good for me?

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If an insurance company doesn't have the tC in their database, and gives you a quote based on a Scion, it won't be accurate. I received an initial quote from AAA for 1049/yr but once I gave them the VIN, they changed the quote to the tune of 2500/yr. I ended up going through Mercury paying 1200/yr for 50/100/50, 500 collision, 100 comprehensive. It seems Mercury classified it as a hatchback and not a sports coupe. For reference, I'm 25 with no points.

I don't know what it's classified as, but it dropped by $20/mo from my 02 Civic EX

best thing to do if you still live at home is register the Title in your parents name and be listed as a 3rd party driver ...

That's the cheapest way to insure your car. However, if you get into an accident, since the car and insurance is under your parent's name, your parents can be sued for all they're worth.

Progressive is the same way (Toyota Scion). My insurance went up about $18.00 a month--going from a 1997 Eagle Talon ESI

I started shopping and Allstate's quotes claim the car is a Scion tC (NOT Toyota Scion)

and my rates DROPPED drastically. Sorry Progressive, better luck next time--i'm-a-goin' to Allstate!

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As of right now my insurance company doesn't have the tC listed in the book so I am just paying 120 a month for full coverage.

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I've talked to several insurance agencies, the big ones would be Fleet, Prudential (now High Point), and Liberty Mutual, plus a couple of local ones.

They didn't have any 05 vehicles so they based mine on the price of the car.

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i think thats what they are doing with mine just basing it off the price

That's funny. My quoted Progressive rate was $600 less than the Allstate rate. And the 21st quote was $200 less than that.

I'm 23 with 2 points.

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It cost about the same as my previous car, a '01 Civic sedan.

I currently have USAA as my insurance. and they cover it as a Sports Car / Coupe.
But with my spotless driving record, and it being a military insurance company, I only pay around $215 a month!

Yep, it's all because I'm only 18. :roll:

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I gave them my VIN number and they still list it as a Toyota Scion lol. I'm only paying 1060 a year, age 24 2 pts. no accidents.

I get my insurance through my job so I'm sure there is a big discount. Plus I have 3 cars on my policy.

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I'm 26 and I was paying around $83/month for my 03 Eclipse GTS (which I just totaled).
Got a quote on a Scion tC with side airbags and its around $63/month. I'm 26.

Go State Farm? They classified it as a hatchback.

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