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My insurance company explained it like this to me:

they go by a points system (vehicle-wise)

a honda civic or toyota corolla is about 13pts.

a mustang gt is about 21 pts.

My 200sx se is about 19 pts.
A sentra is about 14 pts.

I tried to convince them I just had a 2 door sentra, but she didn't believe me :p
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