Car Insurance Cost San Francisco CA

Reader’s Question:

I live in San Francisco, California and I am wondering why does your auto insurance rise if you have a two-door car? Does it cost more to insure a 2 door car?

Sandy

San Francisco, CA

 

2- door car do not always make your car insurance to rise in San Francisco since individual insurance carriers have their own rating systems, but many two door vehicles are deemed to be sports cars and therefore may cost a little more to insure.

A sports car will be rated higher by most insurance carrier in California than a family sedan. This is because of the fact that sports cars parts normally cost more to repair and they are statistically in more accidents at higher speeds, so it appear to insurance companies as more of a risk.

The classification of a vehicle as a sports vehicle, family vehicle, etc will depend upon the definitions set forth by an insurance carrier. Each insurance carrier has its own car classification system that is typically based upon ISO (Insurance Services Office) VIN system or other insurer proprietary ranking systems.