Insurance Companies: Higher Horsepower, Higher Rates

HP is only one factor in the driving experience. I drive a Highlander with 163 hp. My wife’s car has 250hp+. My transmission gives me as much “pep” as my wife’s 250hp. She could beat me at the saturday night drag strip, and on the autobahns in Germany because my “box” would have a much tougher time overcoming WR2 (wind resistance) at 200kph. But I’m not hauling around an extra 100hp to get me around town and at 75mph on the open road. If only I could buy a 100hp diesel hatchback vehicle like the ones I rent in Europe.
Six speed automatic and 40 mpg on clean burning ULSD (diesel)fuel!!!
Rudy had the right idea over 100 years ago.

if they account for weight to hp ratio, that would be clever for the money suckers called incurance companies.going by hp alone is absurd. there is 500hp trucks hauling 120k pounds with 1500ft lbs of torque, and retards in 10000 rpm hondas claiming big hp in a go cart. those are the ones that need higher prices, to make up for lack of iq.

Drop weight? the subs would have to be the first to go, lol… would never happen.

Well, this has a simple solution for tuning. Drop weight!

I had a 97 cavalier years ago. Had only owned it for a month. Was making a left turn and would have avoided a collision if the car had MORE power, but it didn’t and it was totaled by someone who was speeding who jumped into a right-turn lane without warning.
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It’s much better to have a car that’s more than strong enough than not as strong as it should. Short on ramps are not a problem for me with my pontiax. I’d have it no other way.
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Also, I wonder what would constitute high horsepower to the insurance companies… 200? 250? 300? Even 4-cylinder cars are putting out a couple hundred + ponies these days.

And if its a red one forget about it. Does anyone know if that old saying is true? My mother works for AIG and she says its not but is it possibly true for other companies. My Caprice is brown so I’m sure I get a discount haha.