helloha

Just told my agent to price up the full coverage for my incoming TSX. The agent told me TSX is tier-5 MDX is tier-6. So the anuual cost of TSX is 250 more than TSX TSX has Side curtain airbag...

kenk25

Sorry to hear that. I called my agent in NJ first to compared Neon SRT-4, Toyota Prius, Accord, Civic hybrid and TSX. The TSX was tied to the Civic as the lowest. I was shock, thought the Civic would be lower. Where do you live?

helloha

kenk25.. I live in NJ aka Highest insurance state. I am suprised that TSX tie with Civic. From the search on this formum.. TSX is higher than TL. I wonder it is tied with Civic?

KC 2004 TSX

The 04 MDX has them too.

Mokos23

the reason why the tsx is higher cause

1. its a newer model and its harder to find repair parts for it if it would be involved in an accident.

2. people who drive mdx's won't be driving their mdx's really fast, compaed to tsx drivers who are fairly younger and drive a bit quicker than suv mdx drivers. most mdx drivers i see are either soccer moms, fathers, or older professionals who don't drive that quick.

this are just assumptions though.

Saintor_RENAMED

I don't understand. I was quoted a very low price for a TSX, comparable to my Accord 1999.

Klisp

Well me being from NJ i could honestly say my TSX cost me 2,093 to insure a year.

trolldrengi

The Civic tops the charts for stolen cars (along with Accord, Camry, and Corolla), so the premiums for them are higher.

If I remember, I'll look up the insurance index rating for the TSX & MDX while I'm at work tomorrow (I work for an insurance co).

kenk25

helloha... I work for a company that is a member of NJ Manufacturer. Can't say if the people gave me a wrong quote on the other cars but I did get the quoted price on the TSX. In fact they gave me $15 less because the TSX has an alarm. Of course I have no speeding tickets for 7 years and my homeowner insurance is with them also, another discount.

jcg878

My thought is: how many MDX drivers post in threads about what speed they've topped out at?

klisp I'm paying 900/yr more than you - clean record.

NJ Insurance

gilboman

try a lude or celica quote

ClutchPerformer

I would imagine that the Civic Hybrid would be harder (more expensive) to repair if damaged in an accident. It makes sense to me.

STC

iTrader: (1)

I pay 1400 a yr for full coverage on my TSX. I pay 1350 for full coverage on the Evo.

trolldrengi

Shouldn't be that bad... I pay only 1200/yr on my Boxster, and that's with max coverage and min. deductible.

Remember that when a company determines your premium, it's based on A LOT of factors:

Age, driving record, years licensed, credit score, location of vehicle overnight, how far your daily commute is, where you work/go to school, is the vehicle kept in a garage/parked on street, vehicle's safety rating, vehicle's Insurance Index Score, vehicle's theft index rating, lapses in insurance coverage, and on and on and on...

Every insurance company has their own formulas for calculating risk and premiums, and each company guards these formulas!

Of course, NJ=most expensive auto ins in the country...

trolldrengi

I'd guess that you have the TSX insured as your primary commuting vehicle, and the Evo as a recreational vehicle (less than 10K a year in mileage)? This is how I keep my Boxster premiums down.

My friend has a 1995 Acura NSX-T which he babies in the garage (I think he's got maybe 40K on it) and until recently he had a 2004 WRX STi as a daily commuter car (which was stolen after 4 months and set on fire). With a 60+ mile commute (each way) I think his premiums were almost 4000/yr on the STi. Thing averaged like 12 miles to the gallon, too.

Mokos23

i might want to get an evo since it is AWD and would be better in the snow compared to the Tsx.

also, man, i see that you have a matrix too, did u get the AWD one? how is the acceleration and handling of that car/small wagon?

trolldrengi

The Matrix belongs to my wife... and is our only automatic car. We got the front-drive model. The AWD is only available with the base engine, which is like 123hp. The acceleration of our XR is OK w/130hp, and handling is not bad considering how tall it is. I like it... although she really wanted a Mini (too expensive for what you get since you can't bargain on them at all). It also has a lot of room for passengers for such a small car.

I'm no fan of the Evo... I wasn't even really wild about my friend's STi, although I did like it a lot more than the Evo. They just seem so flimsy and cheap for $30K cars. Cars with ~300hp do not handle the snow well... I haven't found any cars which could drive better in the snow than my POS Saturn (85hp, fwd), my old '78 VW Rabbit, and my wife's old '88 Toyota Tercel. Those tiny front drivers with their skinny tires (and practically no torque) are awesome snow cars.

jcg878

HA ha ha - my POS Saturn (100hp, fwd) was pretty good in the snow too. It actually wasn't a bad car reliability-wise, but I've learned a lot about fit and finish since then!

trolldrengi

Yeah... Mine has had a few problems, but it's the general fit-and-finish which is amazingly shoddy. (seemed pretty good to me when I was upgrading from a '78 VW, though)

I don't think there's much left on that car which still works.... power seatbelt - broken, lighter - busted, driver's seat - broken, driver's window - stuck, A/C - never worked... Makes a great winter car while the Boxster's trapped by the snow, though.