Automobiles With Higher Claim Costs and Premiums

Insurance Companies charge amounts in the form of premiums that are totally dependant on the claims that may arise in the future. Thus it has been observed that high priced cars are more expensive in terms of insurance, besides the costs of repairs, thefts and damages that may occur to them. If these vehicles are stolen or any part requires to be replaced, it involves a lot of replacement cost, hence they attract large premiums.

As per the new laws, most of the new vehicles that are sold in the United States are required to have a sticker that is referred to as a "bumper quality" sticker. This sticker specifies, the maximum speed, which the vehicle can travel without causing any kind of damage or minimum damage due to bumpers. Many circumstances help us to reduce our expenses, in terms of premium. In case the car is in good physical condition, the safety and strength of the car is reflected, hence causes savings, and to the insurance company as it reflects low repair and maintenance costs. Insurance companies often provide ratings, on the basis of the durability, and safety characteristics of the vehicles. On the basis of this rating, premiums are determined, that is required to be paid.

2005 Model Vehicles - ISO* Symbols 5-27

Higher symbol numbers reflect greater claim cost and, therefore, higher premiums

2005 Symbol Number & Vehicle Description
6    Chevrolet Uplander 4-Door Van 4x2 3.5L/6-cyl
6    Dodge Caravan SE 4-Door Wagon 4x2 2.4L/4-cyl
7    Ford Freestar S 4-Door Wagon 4x2 3.9L/6-cyl
7    Honda Accord DX 4-Door Sedan 2.4L/4-cyl
7    Saturn VUE 4-Door Utility 4x2 2.2L/4-cyl
8    Kia Spectra 5 4-Door Hatchback 2.0L/4-cyl
8    Buick LeSabre Custom 4-Door Sedan 3.8L/6-cyl
8    Chrysler Town & Country LX 4-Dr Wag 4x2 3.3L/6-cyl
8    Saturn ION 1 4-Door Sedan 2.2L/4-cyl
8    Toyota Sienna CE 4-Door Wagon 4x2 3.3L/6-cyl
8    Dodge Grand Caravan C/V 4-Dr Van 4x2 3.3L/6-cyl
10    Mazda Tribute S 4-Door Utility 4x2 3.0L/6-cyl
10    Saturn L300 4-Door Sedan 3.0L/6-cyl
10    Mercury Sable GS 4-Door Sedan 3.0L/6-cyl
10    Buick Century Base 4-Door Sedan 3.1L/6-cyl
10    Suzuki Forenza LX 4-Door Sedan 2.0L/4-cyl
10    Pontiac Bonneville SE 4-Door Sedan 3.8L/6-cyl
10    Ford Explorer XLS Base 4-Door Utility 4x2 4.0L/6-cyl
10    Chrysler PT Cruiser 4-Door Wagon 4x2 2.4L/4-cyl
10    Mercury Grand Marquis GS 4-Door Sedan 4.6L/8-cyl
11    Ford Taurus SE 4-Door Sedan 3.0L/6-cyl
11    Toyota Tacoma Base 2-Door Pickup 4x2 2.7L/4-cyl
12    Buick Park Avenue 4-Door Sedan 3.8L/6-cyl
12    Pontiac Grand Prix 4-Door Sedan 3.8L/6-cyl
12    Jeep Wrangler Sport 2-Door Utility 4x4 4.0L/6-cyl
12    Mercury Grand Marquis LS 4-Door Sedan 4.6L/8-cyl
12    Honda Civic DX 4-Door Sedan 1.7L/4-cyl
12    Toyota Corolla CE/S/LE 4-Door Sedan 1.8L/4-cyl
13    Ford Expedition XLS 4-Door Utility 4x4 5.4L/8-cyl
13    Subaru Legacy 2.5 4-Door Sedan 2.5L/4-cyl
13    Volkswagen Golf GL TDI 4-Door Hchbk 1.9L/4-cyl
13    Toyota Camry Base 4-Door 3.0L/6-cyl
14    Chevrolet Malibu LS 4-Door Sedan 3.5L/6-cyl
14    Volkswagon Passat GL 4-Door Sedan 1.8L/4-cyl
15    Lincoln Town Car Signature 4-Dr Sedan 4.6L/8-cyl
15    Volkswagen Golf GLS TDI 4-Dr Hatchback 2.0L/4-cyl
15    Lexus ES 330 4-Door Sedan 3.3L/6-cyl
15    Nissan Altima Base 4-Door Sedan 3.5L/6-cyl
16    Toyota 4Runner Limited 4-Dr Utility 4x2 4.7L/8-cyl
16    Honda Accord EX 2-Door Coupe 2.4L/4-cyl
16    Chrysler PT Cruiser Base 2 Dr Conv 2.4L/4-cyl
16    Jeep Grand Cherokee Laredo 4-Dr Utl 4x2 3.7L/6-cyl
16    Cadillac Deville Touring (DTS) 4-Dr Sedan 4.6L/8-cyl
16    BMW 325I 4-Door Sedan 2.5L/6-cyl
16    Chrysler Sebring 4-Door Sedan 2.4L/4cyl
17    Infinit FX35 4-Door Utlity 4x2 3.5L/6-cyl
17    Nissan Maxima SE 4-Door Sedan 3.5L/6-cyl
17    Lincoln Town Car Signature L 4-Dr Sedan 4.6L/8-cyl
17    Acura TSX 4-Door Sedan 2.4L/4-cyl
17    Mitsubishi Galant GTS 4-Dr Sedan 3.8L/6-cyl
18    Chrysler 300 Touring AWD 4-Door Sedan 3.5L/6-cyl
19    Ford Mustang GT 2-Door Coupe 4.6L/8-cyl
19    Chevrolet Corvette 2-Door Coupe 6.0L/8-cyl
20    Infiniti Q45 4-Door Sedan 4.5L/8-cyl
20    Mercedes-Benz E320 4-Door Sedan 3.2L/6-cyl
21    Jaguar S-Type R 4-Door Sedan 4.2L/8-cyl
22    Acura RSX 2-Door Hatchback 2.0L/4-cyl
24    Porsche 911 Carrera Targa 2-Dr Coupe 3.6L/6-cyl
25    Audi A8 L Quattro 4-Door Sedan 4.2L/8-cyl
27    Mercedes-Benz SL500 2-Door Convertible 5.0L/8-cyl


*ISO is the Insurance Services Office, Inc.