Not to bring up an old thread, but I have a little more information for anyone curious (meant to post it weeks ago, but never got around to it).
I wrote: "My understanding is that average Scion rates are higher because the average owner is younger and some Scions have poorer crash test ratings". You replied that who a brand is marketed to affects the insurance cost for vehicles of that brand. I responded that I don't doubt you, but that isn't what I've read.
I don't disagree with any of that, except I wasn't sure if/how much "the pool of people that own the same make" has an effect.
I actually called my insurance agent about something unrelated, and right as I was about to hang up, asked if the average buyers' age, gender, etc of a brand affects the insurance cost for all models on that brand. She laughed and said no. I asked if that meant that two cars that are completely identical except for brand would cost different amounts for a given person to insure. She said all other things being equal, only if the value of both cars were different.
She said driver age and record are factors and type of vehicle and vehicle value are factors. But brand itself, other than how it affects cost/value, is not.
I thought that perhaps she didn't know what she was talking about, but I PMed an insurance insider on this forum, and he confirmed the same thing.
So based on what I've been told by those in the know, and what I've read elsewhere, brand does not affect insurance cost for a given driver and location, all else being equal.
*shrug*
The reason I broke out increased insurance is that the vast majority of the complaints I read about Scion being a youth brand were disparaging towards the brand's image and those that buy it. There are 420 posts at
Scion FT-86 FR-S - Scion FR-S Forum | Toyota FT-86 Forum | Subaru 216a Forum | ft86club and only one mentioned insurance (and another person replied that only the tC has higher than average insurance, and only because it's a coupe).
So this whole argument is somewhat beside the point. Even if you're right and everything I've read elsewhere is wrong, and if what my insurance agent said is wrong, and if what the insurance insider on the forum PMed me is wrong, it's still pretty obvious that most of the complaints (about the FT86 being sold as a Scion) have to do with brand image and/or not wanting to be associated with other Scion owners.
While others worry about such superficial matters, I'll enjoy driving my Toyobaru, regardless of which brand I get.
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