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#1
07-21-2003, 12:13 PM
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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.
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Thrill 1991 Civic Si -- SOLD! 1999 Civic Si 2000 CR-V 
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#3
07-21-2003, 02:36 PM
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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.
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Thrill 1991 Civic Si -- SOLD! 1999 Civic Si 2000 CR-V
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#4
07-21-2003, 02:54 PM
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get an alarm, that knocks insurance down a bit and its a damn good thing to have anyways
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#5
07-21-2003, 02:57 PM
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Quote:
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SOLD! 
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#6
07-22-2003, 11:15 AM
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Thx
Thanks for your thoughts guys.
I guess no one knows if there is any way to reduce your rates.... 
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Thrill 1991 Civic Si -- SOLD! 1999 Civic Si 2000 CR-V
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#7
07-22-2003, 11:19 AM
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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.
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Name: Scott Stable Of Cars I have Owned: 1991 Honda CRX 1990 Oldsmobile Cutlass Supreme 2003 Honda Accord 1998 Chrysler Concorde 2007 Honda Civic 1997 Toyota Camry 1995 Saturn SC2 1996 Ford Taurus 1991 GMC Sierra 2002 Daewoo Leganza 1999 Dodge Ram 2007 Honda CR-V 2003 BMW 325i
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#9
07-22-2003, 11:31 AM
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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.
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#10
07-22-2003, 11:31 AM
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Quote:
 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?
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AF's Official Asshole RIP AUNIE
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