Quote:
Originally Posted by camaro_corvette
Actually they are more going to the point of what trim level your car is. I remember when i went in to get insurance for a monte carlo and impala, I told them I would have the six cylinder version, and he said, "that doesn't matter, I wanna know what trim it is" I said why, and he said, "If you has an LS then i will charge you the minimum, if you have an LTZ It will cost more, and if you have an SS, you will recieve the maximum". I proceded by saying, "well thats fu**in bullSH*t  " And this was the time before the montes had V8 engines in them, and the SS was just a electronics package. |
Actually, that makes sense. I'm not saying it's right but think about it, a fully loaded Monte Carlo SS has an MSRP of about $31,500. The stripped base LS stickers for about $21,000. Based simply on the cost of vehicle, the insurance rate for the loaded SS should be about 50% more than the LS. If they are paying out a total loss claim, then it will/should cost them more to cover the SS instead of the LS.