Last fall, my youngest son was in the market to replace the inherited Toyota Tacoma pickup he was driving. He’d settled on the Honda Civic and was naturally leaning toward the two door version – it looks sportier. His mom asked me to look into the difference between insuring the two door and four door versions.
Guess what? The number of doors made a difference in the insurance cost. Two doors cost about $150 more a year than four doors. I ran the quotes through three carriers and each one turned up with about the same difference in annual premium.
I called a couple of underwriters I work with on a regular basis and discussed this with them. They confirmed that for their companies, this is the case. Two doors cost more to insure than four doors.
So if you’re in the market for a new or newer car, just remember, more doors means less premium!