is the 2008 xB still considered a wagon for insurance purposes?

 

i'm paying 567 for 6 months..comprehensive coverage..500$'s deductible..under an umbrella insurance with my house and a 4Runner

 

49/mo w/500 deductible too. But I am old, fat, married, a parent, have three cars, two motorcycles, and a house with the same agent.

 

Alright, I'm about to make everyone cringe regarding insurance rates. I am a 24 year old male with two tickets in the past 5 years. I am paying $913 for 6 months on my 2008 Scion xB.

What I have found with the insurance companies, is they have had to custom symbol it because the year and make does not exist in their databases. This means they have to custom build the specs (I think anyway).

Keep in mind that each insurance company evaluates your rate differently. Some may base it on engine size (in cubic meters) while others only care whether it is a I-4, V6, V8, etc. It just depends. At the end of the day, I don't think it matters whether the '08 xB is considered a wagon or 4 door sedan. Just know it's not considered a sports car which would most likely raise your rates if you're young.

 

Whoa. I'm 24 with NO tickets, and I'm paying over $1k. Damn...

 

Soooooooooooooo is it a wagon or not? Somebody look at your card and see what it says

 

my card is not showing wagon or not

my ins is 686.40 6mo. 120 deductible full glass

 

mine is labeled as a wagon in NY

 

My insurance card says "wagon" on it. 6 month premium is $489.00 with my dad as primary. It would have been almost $700 for me and almost $1400 on my own policy

 

Well, I am with Ameriprise and insure a 1998 Isuzu Amigo, 2006 xB RS3 and my 2008 xB. For the 2006 xB I pay $227 for 6 months and for the 2008 xB I pay $290 for 6 months. This is not a stripped down policy, it is a 100k/300k policy with $500 collision deductible, $100 deductible other than collision, glass, towing, rental car and first year New Car Replacement as well as GAP coverage.

I pay more for liability on the Amigo than both my xB's with full coverages put together because my 17 year old son drives it.

 

MINE is $27 A month. Im 23, married, have another car on the insurance and a house too. So i get a multiple vehicle discount and home owner discount! Im pretty happy with that price.

 

Mercury Insurance = SUV, Small
State Farm Insurance = Sport Van
RBC Insurance = Wagon


i was told there is a national insurance database that assigns vehicle designations by my agent - if so, why all the different vehicle type ratings for the 2nd gen xB from different insurance companies? it seems like they can call it whatever they want!



even NHTSA classify it as a Wagon:

NHTSA Crash-Test Results
Test 4-door wagon

Front Impact, Driver 4

Front Impact, Passenger 4

Rollover Resistance 4

Side Impact, Driver 5

Side Impact, Rear Passenger 5

 

Mine is through state-farm and they consider it a hatchback wagon.

 

i got a State Farm quote today online for California and it was rated a Sport Van??

 

On my insurance card it for sure says a hatchback wagon or something of the sort! No van or sport included!

 

hehe, i pay 2400/6mo. mostly due to being young stupid and owning a crotch rocket and not being able to contain myself when people wanna race or chicks flashing for stunts then getting popped repeatedly by the police...was told by my bosses wife who was my insurance agent that i was probably in the top 50 worst in the state hahaha...not married, no house insurance...pretty much learned my lesson the hard way...damn...lol

 

i am not sure what my vehicle was rated as [Small SUV i think] but i am paying $570 every 6 months w/ $250 comp and $500 collision w/ rental car...

actually a little less than for my 2004 Solara