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Automobiles With Higher Claim Costs and Premiums

Insurance Companies charge amounts in the form of premiums that are totally dependant on the claims that may arise in the future. Thus it has been observed that high priced cars are more expensive in terms of insurance, besides the costs of repairs, thefts and damages that may occur to them. If these vehicles are stolen or any part requires to be replaced, it involves a lot of replacement cost, hence they attract large premiums.


As per the new laws, most of the new vehicles that are sold in the United States are required to have a sticker that is referred to as a “bumper quality” sticker. This sticker specifies, the maximum speed, which the vehicle can travel without causing any kind of damage or minimum damage due to bumpers. Many circumstances help us to reduce our expenses, in terms of premium. In case the car is in good physical condition, the safety and strength of the car is reflected, hence causes savings, and to the insurance company as it reflects low repair and maintenance costs. Insurance companies often provide ratings, on the basis of the durability, and safety characteristics of the vehicles. On the basis of this rating, premiums are determined, that is required to be paid.

2005 Model Vehicles – ISO* Symbols 5-27

Higher symbol numbers reflect greater claim cost and, therefore, higher premiums

2005 Symbol Number & Vehicle Description
6 Chevrolet Uplander 4-Door Van 4×2 3.5L/6-cyl
6 Dodge Caravan SE 4-Door Wagon 4×2 2.4L/4-cyl
7 Ford Freestar S 4-Door Wagon 4×2 3.9L/6-cyl
7 Honda Accord DX 4-Door Sedan 2.4L/4-cyl
7 Saturn VUE 4-Door Utility 4×2 2.2L/4-cyl
8 Kia Spectra 5 4-Door Hatchback 2.0L/4-cyl
8 Buick LeSabre Custom 4-Door Sedan 3.8L/6-cyl
8 Chrysler Town & Country LX 4-Dr Wag 4×2 3.3L/6-cyl
8 Saturn ION 1 4-Door Sedan 2.2L/4-cyl
8 Toyota Sienna CE 4-Door Wagon 4×2 3.3L/6-cyl
8 Dodge Grand Caravan C/V 4-Dr Van 4×2 3.3L/6-cyl
10 Mazda Tribute S 4-Door Utility 4×2 3.0L/6-cyl
10 Saturn L300 4-Door Sedan 3.0L/6-cyl
10 Mercury Sable GS 4-Door Sedan 3.0L/6-cyl
10 Buick Century Base 4-Door Sedan 3.1L/6-cyl
10 Suzuki Forenza LX 4-Door Sedan 2.0L/4-cyl
10 Pontiac Bonneville SE 4-Door Sedan 3.8L/6-cyl
10 Ford Explorer XLS Base 4-Door Utility 4×2 4.0L/6-cyl
10 Chrysler PT Cruiser 4-Door Wagon 4×2 2.4L/4-cyl
10 Mercury Grand Marquis GS 4-Door Sedan 4.6L/8-cyl
11 Ford Taurus SE 4-Door Sedan 3.0L/6-cyl
11 Toyota Tacoma Base 2-Door Pickup 4×2 2.7L/4-cyl
12 Buick Park Avenue 4-Door Sedan 3.8L/6-cyl
12 Pontiac Grand Prix 4-Door Sedan 3.8L/6-cyl
12 Jeep Wrangler Sport 2-Door Utility 4×4 4.0L/6-cyl
12 Mercury Grand Marquis LS 4-Door Sedan 4.6L/8-cyl
12 Honda Civic DX 4-Door Sedan 1.7L/4-cyl
12 Toyota Corolla CE/S/LE 4-Door Sedan 1.8L/4-cyl
13 Ford Expedition XLS 4-Door Utility 4×4 5.4L/8-cyl
13 Subaru Legacy 2.5 4-Door Sedan 2.5L/4-cyl
13 Volkswagen Golf GL TDI 4-Door Hchbk 1.9L/4-cyl
13 Toyota Camry Base 4-Door 3.0L/6-cyl
14 Chevrolet Malibu LS 4-Door Sedan 3.5L/6-cyl
14 Volkswagon Passat GL 4-Door Sedan 1.8L/4-cyl
15 Lincoln Town Car Signature 4-Dr Sedan 4.6L/8-cyl
15 Volkswagen Golf GLS TDI 4-Dr Hatchback 2.0L/4-cyl
15 Lexus ES 330 4-Door Sedan 3.3L/6-cyl
15 Nissan Altima Base 4-Door Sedan 3.5L/6-cyl
16 Toyota 4Runner Limited 4-Dr Utility 4×2 4.7L/8-cyl
16 Honda Accord EX 2-Door Coupe 2.4L/4-cyl
16 Chrysler PT Cruiser Base 2 Dr Conv 2.4L/4-cyl
16 Jeep Grand Cherokee Laredo 4-Dr Utl 4×2 3.7L/6-cyl
16 Cadillac Deville Touring (DTS) 4-Dr Sedan 4.6L/8-cyl
16 BMW 325I 4-Door Sedan 2.5L/6-cyl
16 Chrysler Sebring 4-Door Sedan 2.4L/4cyl
17 Infinit FX35 4-Door Utlity 4×2 3.5L/6-cyl
17 Nissan Maxima SE 4-Door Sedan 3.5L/6-cyl
17 Lincoln Town Car Signature L 4-Dr Sedan 4.6L/8-cyl
17 Acura TSX 4-Door Sedan 2.4L/4-cyl
17 Mitsubishi Galant GTS 4-Dr Sedan 3.8L/6-cyl
18 Chrysler 300 Touring AWD 4-Door Sedan 3.5L/6-cyl
19 Ford Mustang GT 2-Door Coupe 4.6L/8-cyl
19 Chevrolet Corvette 2-Door Coupe 6.0L/8-cyl
20 Infiniti Q45 4-Door Sedan 4.5L/8-cyl
20 Mercedes-Benz E320 4-Door Sedan 3.2L/6-cyl
21 Jaguar S-Type R 4-Door Sedan 4.2L/8-cyl
22 Acura RSX 2-Door Hatchback 2.0L/4-cyl
24 Porsche 911 Carrera Targa 2-Dr Coupe 3.6L/6-cyl
25 Audi A8 L Quattro 4-Door Sedan 4.2L/8-cyl
27 Mercedes-Benz SL500 2-Door Convertible 5.0L/8-cyl

*ISO is the Insurance Services Office, Inc.

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