I was really surprised at the slight increase in my insurance going from the 04TL to the 05RL. The six month rate for the TL was $335 and for the RL is $345.

I have never figured out how insurance companies calculate their premiums. I have an 04 Trailblazer (not 4WD), sticker price was $32,000, and 6 month premium is $377. 2000 Jeep Cherokee 4WD, 100,000 miles, probably worth $6,000, 6 month premium is $315.00. 1996 Chrysler Serbring Convertible JXI with 68,000 miles, 6 month premium is $298.

 

Wow! Your insurance is really cheap. I need to move to Union City, TN!

...and my insurance went up slightly as well when I went from an '04 TL to an '05 RL. It usually has to do with the value of the car, but sometimes there seems to be no rhyme or reason.

 

There are a number of factors that affect the cost of insurance. The value of the vehicle is an obvious factor, but also, the safety features, average risk of the purchasing demographic, as well as cost of repairs are all factored in. A car that is easy to fix and doesn't cost much fix will cost less in insurance than a similar car with more expensive parts or repair procedures.