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You can tell Clique based on insurance rates of Cars

Sporty Cars: Liability pressure (cheapest → most exp...
Carnelian exciting sanctuary
  03/28/26
also if you're a Loser, people assume you suck at driving ev...
Carnelian exciting sanctuary
  03/28/26
Wtf does your op have to do with insurance rates You're l...
Lilac Anal Theatre Internal Respiration
  03/28/26
Liability pressure i.e. the relative rates on a liability-on...
Carnelian exciting sanctuary
  03/28/26
do insurance companies actually charge different rates on di...
cobalt stage
  03/28/26
you're damn right they do. I am talking about the liability-...
Carnelian exciting sanctuary
  03/28/26
hmm. i guess i'll be sticking to my goymobiles.
cobalt stage
  03/28/26
whats a goymobile
Carnelian exciting sanctuary
  03/28/26
boring sedans.
cobalt stage
  03/28/26
would a Mercedes S-Class or XC90 be one or are we talking To...
cerebral hyperactive tanning salon
  03/28/26
volvo sedans. sadly now discontinued in north america. a lon...
cobalt stage
  03/28/26
crazy how "traditional sedans" got killed by Short...
Carnelian exciting sanctuary
  03/28/26
hey lady, i know you can't drive, so why don't we give you s...
cobalt stage
  03/28/26
...
cowgod
  04/06/26


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Date: March 28th, 2026 9:01 PM
Author: Carnelian exciting sanctuary

Sporty Cars:

Liability pressure (cheapest → most expensive)

Mazda MX-5 Miata: Loser (Loseriest Loser)

Subaru BRZ / Toyota GR86: Loser

Toyota Supra: Loser

Chevrolet Camaro: Scumbag. rates attenuated by boomer/Gen X hobbyists

Ford Mustang: Scumbag. rates attenuated by boomer/Gen X hobbyists.

Nissan 370Z: Scumloser with bad credit

BMW M3: High Loser with something to prove

Dodge Challenger: Scumbag with something to prove

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777487)



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Date: March 28th, 2026 9:14 PM
Author: Carnelian exciting sanctuary

also if you're a Loser, people assume you suck at driving even if actuarially you go like 20 years between accidents on average and aren't even at fault, you still look like a fag if you aren't pulling out in front of people from time to time or whatever. Also I do certain things autistically like rev the engine pretty hard once I'm going over like 15 mph bc I know it's not "bad" bc of Engineering, but also don't go 99 mph like uberproles, and also coast to red lights rather than speeding into them like proles but if I were an uber driver I'd get 1 star reviews, people would be like this guy is a joke, simultaneously looking like a maniac and fag from their POV. actuarial tables show the truth but irl people are like where did this Loser learn how to drive. one of the many terrible burdens of being a Loser irl.

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777526)



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Date: March 28th, 2026 9:21 PM
Author: Lilac Anal Theatre Internal Respiration

Wtf does your op have to do with insurance rates

You're losing your goddamn marbles

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777541)



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Date: March 28th, 2026 9:22 PM
Author: Carnelian exciting sanctuary

Liability pressure i.e. the relative rates on a liability-only policy which are the best proxy in terms of being a profile of the driver's Clique. Miata = Loser = Cheap. Dodge = Scummiest = expensive

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777543)



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Date: March 28th, 2026 9:24 PM
Author: cobalt stage

do insurance companies actually charge different rates on different brands of cars unrelated to their replacement cost?

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777548)



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Date: March 28th, 2026 9:27 PM
Author: Carnelian exciting sanctuary

you're damn right they do. I am talking about the liability-only rates, which provides maximum clarity. i.e. the state minimum coverage where you only have coverage for at-fault accidents for damage done to others' property. So it has nothing to do with repair costs of the specific vehicle. literally just the driver profile and whatever safety/driving characteristics endemic to the vehicle, plus how or where it's used.

you can check this yourself online, just Pretend you're getting a quote on some Scummobile and see the rate difference, or if you're lazy and have irl friends just ask a friend who drives something with a V8 or equivalent in power + sporty and they probably pay 2x what you do

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777551)



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Date: March 28th, 2026 9:30 PM
Author: cobalt stage

hmm. i guess i'll be sticking to my goymobiles.



(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777557)



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Date: March 28th, 2026 9:31 PM
Author: Carnelian exciting sanctuary

whats a goymobile

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777560)



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Date: March 28th, 2026 9:34 PM
Author: cobalt stage

boring sedans.

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777564)



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Date: March 28th, 2026 9:43 PM
Author: cerebral hyperactive tanning salon

would a Mercedes S-Class or XC90 be one or are we talking Toyota Camry

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777588)



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Date: March 28th, 2026 9:50 PM
Author: cobalt stage

volvo sedans. sadly now discontinued in north america. a long line of purchases come to an end. (((they))) win.



(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777601)



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Date: March 28th, 2026 9:55 PM
Author: Carnelian exciting sanctuary

crazy how "traditional sedans" got killed by Short Women who can't see over the dashboard of a Normal Car or whatever the fuck. This country used to be ruled by Tall Guys.

(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777607)



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Date: March 28th, 2026 9:57 PM
Author: cobalt stage

hey lady, i know you can't drive, so why don't we give you something a lot bigger and heavier to crash into other people



(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49777611)



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Date: April 6th, 2026 10:04 PM
Author: cowgod



(http://www.autoadmit.com/thread.php?thread_id=5851068&forum_id=2ГѓЖ’#49799132)