"Weirdly, insuring her on our older Lexus SUV was cheaper than the newer sedan."
Funny you mention that—our experience was the opposite. Putting our son on the older Honda actually bumped premiums higher than when he drove our newer sedan. Insurance logic never ceases to amaze me...
Interesting, but premiums aren't just about vehicle age or type—safety ratings and repair costs factor in big time. Our older SUV had lower safety scores, so insuring our daughter on that was pricier than the newer car with advanced safety tech. Insurance math is weirdly counterintuitive sometimes...
Yeah, totally agree—insurance logic can be pretty weird. We found the same thing; our newer sedan with collision avoidance ended up cheaper to insure than the older family van. Safety tech really tips the scales these days...
Funny how that works, right? I ran into something similar when my daughter started driving. My '68 Mustang—no airbags, no ABS, definitely no collision avoidance—ended up costing less to insure than our 2010 SUV. Turns out classic car policies assume you're babying the car and barely driving it. Which, to be fair...isn't exactly wrong. Guess sometimes old-school tech (or lack thereof) can still win out.
"Turns out classic car policies assume you're babying the car and barely driving it."
Exactly right—I see this all the time. Classic car policies are cheaper because they're betting you'll treat that Mustang like an heirloom rather than a daily driver. But be careful assuming older cars always save money... newer safety tech does lower accident risk significantly, especially for young drivers. I've seen some insurers offer discounts if teens complete defensive driving courses or use tracking apps to monitor driving habits. Might be worth looking into those options too, just to balance things out.
