Comment Re:When you have a bad driver ... (Score 1) 961
So drop State Farm.
20 years ago, Mustang 5.0 (1990 model) Erie insurance was 1/2 for a plain 5.0 vs. a GT. The GT had the extra spoilers (OK, higher repair cost), but more imporantly, the actuaries figured out that GTs were more likely to be involved in an at-fault accident. I let you ponder why (crazier drivers like spoilers?).
Anyway, for a $13000 car, State Farm wanted $4000/yr and Erie wanted $1100. Keeping in mind that at the time a 200hp 5.0 was considered a wild performance car.