Expensive insurance?!

My wife picked up plates for my car today. When she called about insurance they said it is higher than normal because the seat belts are passive restaints. Liability on this car is costing us almost as much as full coverage on our 99 Si and 00 CR-V. Does anyone know whether you can switch out the seat belts to a four/five point system and get your insurance lowered?

Thx in advance..

I'm going to wax the car tonight and take some pics if the weather holds up. I'll post them if I can figure out how.

hmm...never had that problem before? I thought the seatbelts were active... i.e. they tighten upon braking?

I don't know if they are passive or not, that's just what the insurance company said...at least, that's what their excuse was for the high insurance cost.:confused:

get an alarm, that knocks insurance down a bit and its a damn good thing to have anyways

Originally posted by 91civichatch2571
get an alarm, that knocks insurance down a bit and its a damn good thing to have anyways

...that has nothing to do with liability.

Thanks for your thoughts guys.

I guess no one knows if there is any way to reduce your rates....:frown:

there are numerous ways to reduce it

one is an alarm, another i know of is to have you VIN etched into all the glass on your car. if u wire up a daytime light thingy is another.

may be more but i cant thin of em now.

I would try calling another insurance company for the hell of it...b/c it really sounds like they're trying to rip you off...

Active restraint means: YOU have to take action to 'click!' the shoulder belt into place. Passive restraint means the car moves the shoulder belt on its own, and you have no choice about whether or not you use it.
Passive restraint seatbelts get me a discount from my insurance company (Geico). They also award discounts for ABS brakes.
Your insurance man is just lying to you. Tell him the rest of the insurance industry gives a discount for passive restraint. Why is he charging MORE for this extra safety feature?
Flunky
PS-By the way, passive restraint won't help you at all if you don't buckle the lap belt. It's called 'submarining' when you go under the shoulder belt because there's nothing holding your hips in place during an accident/crash/sudden stop.

Originally posted by marked001
hmm...never had that problem before? I thought the seatbelts were active... i.e. they tighten upon braking?
BTW: "active" seatbelts? Dude what are you talking about you freakin jaggoff!?! :spit:

I think your insurance company is dicking with you, automatic seat belts should offer lower insurance premiums compared to regular belts. Simply because automatic belt is well... automatically going to go on and offer at least should strap protection in a crash. What insurance company is it?