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How does your car rate on the CLEAR system?

October 6th, 2011  |  Auto Insurance

Your neighbour drives a BMW Roadster, while you get around in a sporty Honda Civic SiR.  You both have clean driving records and travel the same distance to work. His car’s worth three times as much as yours, but you’re paying more for auto insurance. Why? Well, the answer is CLEAR.

Every vehicle make, model and year available in Canada is rated according to the Canadian Loss Experience Automobile Rating (CLEAR) system. This rating system assesses each type of vehicle based on the expected frequency of claims, the expected cost of those claims, and the likelihood that the vehicle will be stolen.  This assists in calculating insurance rates – the lower the claims risk, the lower the rates.

According to vehicle data for 1996-2009 model years provided by the Insurance Bureau of Canada, the worst rated vehicles based on theft frequency claims are:

• Honda Civic SiR, 2 door
• Cadillac Escalade ESV, 4 door, all wheel drive
• Acura RSX  Type S, 2 door
• Acura Integra, 2 Door
• Audi S4 Quattro, 4 door
• Hummer H2 AWD, 4 door

Before deciding on your next vehicle purchase, you should compare CLEAR scores and let HUB Insurance Hunter compare your auto quotes to give you a true cost of ownership.

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