There are at least four categories of people who love 7 passenger vehicles:

photo credit: Crazy Souza

1. Folks with bigger families: ordinary personal/family transport cars are made with the assumption that every family is made up of two parents and two (or maximum three) kids. But that is not always the case. There are people with bigger families out there, and who would find the traditional car impractical for them. worth noting here is the fact that ‘bigger family does not always mean more kids.’ Sometimes, live-in (extended family)relatives or friends constitute ‘family’ and provisions for their accommodation in family transport have to be made: which often sees people having to buy the said 7 seater vehicles.

2. Public transport business operators: there are cases, in public (passenger) transport when it emerges that the standard cab size is inadequate – due to the size of parties seeking transportation. In such situations, the use of a 7 passenger vehicle may be called for.

3. Low-Level and Mid-Level Executive transport operators: while most organizations have chauffeur-driven limousines for the transport of high level executives, lower level executives often have to be driven in decent-looking vehicles (but not limousines). Examples of those are the 7 passenger vehicles in question.  This is a situation where rank-and-file employees get transported using staff buses, with the high level executives, as mentioned, being carried in the limousines. The situation would leave the mid-level and low-level executives to be carried in the said seven passenger vehicles. This way, a distinction is made between them and the high level executives (who are above them in the food chain), and the rank and file employees (who are below them in the food chain).

4. Carpoolers: many carpoolers find that the standard car size is inadequate for them (especially where 'carpooling' means all family members, rather than just the principals, making use of cars communally). The need for more space to accommodate several families in one car often makes it essential for carpoolers to buy 7 passenger vehicles.

Insurance costs are all about risk.  When it comes to charging an individual for insurance, they have a million and one factors to look into.  What is their age, gender, driving record, vehicle, etc.  No one will insure someone without knowing how likely they are going to cost them money and how much.

Insurance costs are determined by actuaries.  A actuary uses probability and statistics to rate the risk of an individual.  According to statistics, young drivers have less experience and are therefore more likely to get into accidents or have traffic violations.  In the past, young drivers have cost insurance companies more.

This is why insurance companies charge higher premiums for car insurance for young drivers.  As time goes on, each individual will crate their own reputation.  If you avoid accidents and get no traffic violations year after year, your premiums will go down.  If you get into one accident after the other and pile up your tickets, they will skyrocket.  Be smart, drive safe, and everyone wins.