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Discussion Starter · #1 ·
I was just talking with a kid at work who has a heavily modified Honda civic for auto-shows and racing etc, he used to own another one that got stolen

Apparently Civics are the preferred vehicle for that sort of shenanigans, tuning, kids showing off etc, he explained to me that this also makes it one of the most stolen cars in the US and insurance tends to be slightly higher for Civics than its comparable models

Do you think this also spreads to other Honda models or is just a civic thing? One of the torque news articles suggested the HR-V might become another icon for that kind of customization, or am I just being paranoid here?

http://www.torquenews.com/1574/2016-honda-hr-v-destined-hot-hatch-customization
 

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I am so glad to see I am not alone in the world of (shocked) customers who learned that insurance was not just a little higher, but a GOOD AMOUNT higher for the Honda Civic. All the paperwork was done and my 2014 Civic was pretty much purchased. Then at 30 years old with only ONE accident on my record in the last 5 years, I have Allstate give me a quote that quite frankly shocked me.

Part of it had to do with the fact that it's a small vehicle (more likely to end up in the hospital), part of it had to do with the fact that it needed full coverage since there would be a loan/lien on the vehicle, but the big part of it as told by the insurance rep is that yes, indeed the Civic is one of the most stolen cars in America.

Sadly at that point I desperately needed a car and just went ahead with it. At the end of it all, the Civic is costing me $600 more a year than what my 2012 Jeep Grand Cherokee was. And just like that, there went any money I'd be saving at the pump.

-Mike
 

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Honda Civic tends to have higher insurance rates due to a number of reasons including typical the car is more susceptibility to damage than most Mercedes, Jaguars, etc.

http://www.wsj.com/articles/SB122471188978360023



I was just talking with a kid at work who has a heavily modified Honda civic for auto-shows and racing etc, he used to own another one that got stolen

Apparently Civics are the preferred vehicle for that sort of shenanigans, tuning, kids showing off etc, he explained to me that this also makes it one of the most stolen cars in the US and insurance tends to be slightly higher for Civics than its comparable models

Do you think this also spreads to other Honda models or is just a civic thing? One of the torque news articles suggested the HR-V might become another icon for that kind of customization, or am I just being paranoid here?

http://www.torquenews.com/1574/2016-honda-hr-v-destined-hot-hatch-customization
 

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Just messing around with allstate quote between a 2015 civic ex and 2015 crv exl and for the top plan the civic was $40 more every 6 months. Obviously your background and where you live will be factors but that's not to much of a difference to me.
 

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Honda Civic tends to have higher insurance rates due to a number of reasons including typical the car is more susceptibility to damage than most Mercedes, Jaguars, etc.

http://www.wsj.com/articles/SB122471188978360023

Wow....thanks for that link!


I have been really attracted to a RAV4 lately, but the gas mileage figures being lower than the HR-V held me back. I will have to reconsider that now.


Another reason to wait a bit before I purchase anything. I want to check with my agent about the rates for the HR-V and the RAV4.


Not interested in the CR-V ....too mini-van looking for me. I think the RAV 4 still looks more "SUV". I will have to drop by a Toyota dealer again. If I recall, the passenger seat did not fold back very far for long loads and that was disappointing. Have to recheck that.
 

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Just messing around with allstate quote between a 2015 civic ex and 2015 crv exl and for the top plan the civic was $40 more every 6 months. Obviously your background and where you live will be factors but that's not to much of a difference to me.
That is not much of a difference to me either. I would expect similar with the HRV.
 

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If your interested in the RAV4 then I'm surprised your aren't looking at the CRV as it is its competitor, not the HRV. Ownership cost are much better on the CRV compared to the RAV4 and I would expect the HRV to be in line with the CRV with regards to ownership costs.

Wow....thanks for that link!


I have been really attracted to a RAV4 lately, but the gas mileage figures being lower than the HR-V held me back. I will have to reconsider that now.


Another reason to wait a bit before I purchase anything. I want to check with my agent about the rates for the HR-V and the RAV4.


Not interested in the CR-V ....too mini-van looking for me. I think the RAV 4 still looks more "SUV". I will have to drop by a Toyota dealer again. If I recall, the passenger seat did not fold back very far for long loads and that was disappointing. Have to recheck that.
 

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If your interested in the RAV4 then I'm surprised your aren't looking at the CRV as it is its competitor, not the HRV. Ownership cost are much better on the CRV compared to the RAV4 and I would expect the HRV to be in line with the CRV with regards to ownership costs.
I just don't care for the CR-V. I can't get past the mini-van looks. I am sceptical about the ownership costs being higher with the Rav4. I have always appreciated the reliability of Toyotas I have owned.

I really want the HRV ,because it will be a worthy replacement for 226000 mile Scion xB. But if other cost are going to eat into mpg, I have to consider that.
 

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Discussion Starter · #9 ·
I really want the HRV ,because it will be a worthy replacement for 226000 mile Scion xB. But if other cost are going to eat into mpg, I have to consider that.
exactly, I really like this car, but at the end I will have to sit down with excel and calculate the cost of payments, gas etc and now Insurance has to be added to the spreadsheet, and see how it compares with its competitors
 

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Yeah, I am not referring to the reliability specially, but look at intellichoice.com.

BTW, Toyota quality is not what it use to be.

I just don't care for the CR-V. I can't get past the mini-van looks. I am sceptical about the ownership costs being higher with the Rav4. I have always appreciated the reliability of Toyotas I have owned.

I really want the HRV ,because it will be a worthy replacement for 226000 mile Scion xB. But if other cost are going to eat into mpg, I have to consider that.
 

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Yeah, I am not referring to the reliability specially, but look at intellichoice.com.

BTW, Toyota quality is not what it use to be.
But that is what they say about Honda too.


Toyota and Honda are still rated higher than anyone else for reliability so quality must not have really dropped much. Unless everyone else has dropped more. :)


Looked at intellichoice. You might want to take note of "5 year costs of similar vehicles". For Honda , it lists "similar" vehicles as being $1020 higher than Toyotas similar vehicles. If you work out the numbers it comes out $1280 cheaper cost for Honda over five years. That works out $236 less a year for Honda. Statistically insignificant because personal experience and pricing can vary either way.


I think they are both good makes. Owning a Toyota isn't going to burn holes in my pocket.
 

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Whatever works for you. Believe only the CRV and Crosstrek had an overall rating of Excellent, others were a step down at Above Average.


But that is what they say about Honda too.


Toyota and Honda are still rated higher than anyone else for reliability so quality must not have really dropped much. Unless everyone else has dropped more. :)


Looked at intellichoice. You might want to take note of "5 year costs of similar vehicles". For Honda , it lists "similar" vehicles as being $1020 higher than Toyotas similar vehicles. If you work out the numbers it comes out $1280 cheaper cost for Honda over five years. That works out $236 less a year for Honda. Statistically insignificant because personal experience and pricing can vary either way.


I think they are both good makes. Owning a Toyota isn't going to burn holes in my pocket.
 

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Whatever works for you. Believe only the CRV and Crosstrek had an overall rating of Excellent, others were a step down at Above Average.
They arrived at that by comparing Honda numbers with a higher cost vehicle. So the savings in cost would look higher.


But the bottom line is that over the long run the RAV 4 will do just as well. Besides I like the overall design and configuration of the RAV4. Reviewers have rated the CRV higher overall, but when I actually read the reviews, I like the features where the RAV 4 is stronger.


I still want the HR-V, but if it will cost me too much more over the years , I have to take that into consideration.


I have a motto when it comes to cars...... "I want to own a car, not the car to own me." That is why I don't chose the high level models and choose ones I can pay off sooner. I usually don't desire too many gadgets anyway. Just so it is comfortable and very reliable.
 
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