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Underwaterbob ,

Never thought I’d take the side of an insurance company.

JJROKCZ ,

The insurance agencies really need a way to recommend the government take someone’s license when they’re a public danger like this.

Sotuanduso ,

Well they do give them a strong incentive to stop driving.

PraiseTheSoup ,

They only give them a strong incentive to stop driving legally.

afraid_of_zombies ,

My state doesn’t require insurance to drive.

byroon ,

Taking someone’s licence also gives them a strong incentive to stop driving legally

FlyingSquid ,
@FlyingSquid@lemmy.world avatar

And this is the problem. People who have their license suspended often drive anyway. Sometimes they have to in order to get to work because the U.S. has a shit public transportation system in vast areas of the country.

DarkSpectrum ,

Of course sir, you’re new low cost car insurance policy is right through this door over here … 🔒

Jarix ,

Give insurance companies the will power to say no im not going to insure you. And then cap insurance rates. and by cap i mean no insurance should be more expensive than the rate new drivers are allowed to be charged.

Where i live insurance rates have a discount for being a good driver. Goes up each year to cap at about 40percent. This is tied to your liscence not insurance.

Increase that discount for good drivers and make sufficiently bad drivers unable to be insured.

kamen ,

I’d be a bit worried if this isn’t someone who’s just being sarcastic.

Kolanaki ,
@Kolanaki@yiffit.net avatar

Maybe you should learn how to fucking drive?

don ,

Pffft, that’s what the insurance is for, so they don’t have to learn.

Kolanaki ,
@Kolanaki@yiffit.net avatar

Makes me wonder how having a personal driver would affect premiums. Does the owner of the vehicle pay it? Does the driver? Do both?

don ,

Huh. I’ve never thought of that, and it’s a really good question. I’m guessing there may be some kind of “I own it, but don’t drive it” group within insurance that deals with it, or maybe be kind of shared responsibility between the two.

Kid_Thunder ,

Depends who owns the car or who has the loan out against the car. If you own the car and hire the driver, you insure the car and put them on the policy as the primary driver.

uis ,

Skill issue! Not everyone has health good enough to drive car safely. Or drive at all.

Kolanaki ,
@Kolanaki@yiffit.net avatar

Then don’t fucking drive. 🤦‍♂️

postmateDumbass ,

4.8 rating on Lyft

BilboBargains ,

Have you tried reducing your alcohol consumption?

summerof69 ,

Hey, that was a water bottle!

uis ,

It was water bottle, but it was filled not with water

creditCrazy ,
@creditCrazy@lemmy.world avatar

Come to think about it I think the reason why us americans associate giant SUVs and trucks with safety is because we’ve gotten so lazy relying on computers and finicky cameras that get covered in mud that I personally feel safer driving my 56 bel air over modern cars because I’m able to physically move my head to see the crap around me not to mention the transmission being a two speed automatic it has a hard time getting to dangerous high speeds but I suppose that doesn’t really matter when everyone else is blind quite frankly I would love a car with modern crash safety and handling while still having the ridiculous lack of blind spots that 50s cars had I actually praise the vw golf for having not only a backup camera that doesn’t get dirty while not doing that stupid thing where for some reason a lot of auto manufacturers think we have a backup camera lets jack the rear seats so the driver has to use the camera that gets covered in mud or make the rear windshield flat enough to become unusable during winter thank you Volkswagen for not doing that with the golf I can have the backup camera and my physical neck to look behind me

Blaster_M ,

Wait until you’re older and looking back don’t work anymore.

KillingTimeItself ,

god forbid you look back while you’re capable of doing so.

Car ,

That’s a long sentence.

dejected_warp_core ,

But there’s no period. It’s just a wall of text. Maybe they’re an ancient Roman?

joel_feila ,
@joel_feila@lemmy.world avatar

This part of the reason why I love compact and sub compact cars. My little yaris and versa have better visibility then much larger cars. Yes a back up camera is nice is a lot of situations but so is being able to turn around and see stuff.

Cryophilia ,

Holy jesus fuck use some punctuation

FlyingSquid ,
@FlyingSquid@lemmy.world avatar

Backup cameras give no depth perception. I once backed into someone’s car while trusting my backup camera. I’ve never used one since.

tkk13909 ,

How tf do you even get a water bottle under the brake pedal?

BakedCatboy ,

I imagine they’re one of those people who just have piles of trash in their car sliding around the floor and probably dashboard too.

Voyajer ,
@Voyajer@lemmy.world avatar

It’s only got one post but !carbage

afraid_of_zombies ,

It can be done. I drove Uber part time and a group of girls in the back decided why not drunk water bottle fight. One rolled under as I was going downhill. That is up there with one of the most terrifying moments of my life.

I used the emergency brake and stomped the foot brake as hard as i could multiple times until it was crushed then fished it out.

I no longer drive Uber part time.

Ilovethebomb ,

Drunk girls are the worst.

WldFyre ,

Wait till you hear what drunk men do

KillingTimeItself ,

pedals have this thing where they have space behind them, and if you have no concern whatsoever for safety and yours, and others lives, then you can just slap a water bottle on the floorpan in front of you, and when you brake, that water bottle can roll forward and get caught under the pedal. Leading to restricted braking ability.

Vej ,

I got quoted $840 a month for insurance. Clean accident history. Insurance is bullshit levels of expensive.

Ioughttamow ,

How old? What kind of car?

Vej ,

At the time it was a 3 year old Scion IQ.

Ioughttamow ,

That does seem very high o.O

Vej ,

Just a tad.

BakedCatboy ,

Damn. I managed to get basic insurance for like $75/mo but it’s one where they require you to install a tracking app on your phone for the first month that gives you a higher rate if you accelerate or brake hard. I just drove like a grandma for a month and uninstalled it after.

Vej ,

Yeah I pay ~1k now for all the cars in the house for a year. No tracking app. 3 cars.

Abucketofpuppies ,

That’s a pretty typical rate except for comprehensive for an entire year

Vej ,

This was a month.

skyspydude1 ,

I’ve noticed that some insurers give insane “fuck you” quotes for no reason. I had Progressive under my parents since I started driving, and when I got my own insurance, it was around $500/6 months through them. I wanted to get other quotes from some other insurers and the rates were absolutely insane by comparison. Like, $500-800 PER MONTH. I have no idea why they were so much more. I know there are loyalty discounts and such, but I don’t think they’re going to be ~85%.

Trainguyrom ,

Car insurance generally hates young adults. I paid through the nose for 6 months of crap insurance through progressive than immediately jumped to a broker who got me a lower rate on better coverage (and actually knew what the right amount of coverage was) and they’ve consistently got me more coverage for a lower rate ever since. Granted some of that probably comes from my aging out of that high risk 18-25 bracket but still

skyspydude1 ,

I totally get that, but what I don’t understand is why Progressive was so reasonable compared to literally everyone else for literally identical coverage. It’s like for whatever reason they were the only ones who didn’t care I was in that <25 age bracket.

TheDankHold ,

Keeping people like this off the road is one of the biggest reasons why every place needs robust public transportation systems.

SomeGuy69 ,
@SomeGuy69@lemmy.world avatar

Sure, keep driving like that, with some luck you kill a person. Fr walk, use bicycle or bus before that happens.

therealjcdenton ,

He already hit a guy at a mall

Neato ,
@Neato@ttrpg.network avatar

So best case for someone like this: don’t drive. Get other people to drive you, use public transportation, get a bike, etc. But this is probably America and that is 100% not possible everywhere. Or even most places.

There is another option: State-Owned High-Risk Auto Insurance. These are insurance plans owned by individual states. Because US states all require auto insurance to drive a car and because driving a car is goddamn necessary in a lot of America, this exists.

It’s VERY expensive. Like when I was looking at getting good coverage for 2 newish cars I was staring down $500/6mo. Our state’s high-risk was $2,000+. But it exists for people like in the post who are just too expensive for ordinary insurance companies to want to insure.

TheFinn ,

At this rate I bet it’s cheaper for them to Uber everywhere.

Neato ,
@Neato@ttrpg.network avatar

No way. Even just commuting assuming $20 each way (cheap for rush hour) that’s $4,800 every 6 months. Probably 2-3 times as expensive as the high risk insurance.

AFKBRBChocolate ,

The post said they had been paying $500 a month ($3000 for six months) and it went up with every accident. When you factor in gas and maintenance (let alone deductibles for all their accidents), ride share services might well be cheaper.

cymbal_king ,

$4,800 every 6 months is only $800/month. The OP pays $500/mo on insurance, let’s say $100 on gas a month, that’s only $200/month payment on the loan for an old used car. Car ownership is expensive, but it’s probably more common for the car payment to be $500/month and insurance to be $200/month. This doesn’t even factor maintenance

frickineh , (edited )

Where on earth are you getting insurance for 2 cars for $500/6 months? I’m middle aged, drive a 10 year old car, and have a perfect driving record, and mine’s about $100/month. I’ve priced the same level of coverage with other companies and that’s pretty much what all of them offered.

Eta: I’m literally asking. I have no loyalty to my current company, if I can get it cheaper, I’m out.

Neato ,
@Neato@ttrpg.network avatar

That was a few years ago. But I have the same coverage and cars for $580/6mo. BTW it’s cheaper to pay all at once usually.

But our cars are compact and subcompact about 9 & 10 years old. We carry 100/300/100. It’s GEICO is MD but it was also about the same with progressive in FL. Only one of us has a perfect record, the other is still minor and rare.

So you may just live in an expensive state for insurance.

frickineh ,

Totally possible. CO has gotten pretty expensive for everything. :/ It may still be time to get some other estimates again, though.

Lemmeenym ,

I’m in a similar position, middle aged, clear driving history for about 15 years, car’s an '18. I pay ~$450 every 6 months with Progressive. Paying the whole amount up front gives me a good discount. If you can’t do that size payment at once you can pay with PayPal credit and it should be no interest for 6 months so you can get the discount and still pay monthly.

frickineh , (edited )

I need to check on whether I get a discount for paying all at once. I’m finally at a point where I could manage it but I have no idea what it would save.

Ooh, just checked looked and nope, USAA gives me $16/month off for autopay but no pay in full discount. Lots of pretend discounts for other stuff but that just puts them around what other insurers would charge anyway. What a rip off.

brygphilomena ,

Farmers

2003 Subaru WRX and 2001 Toyota MR2

250 bodily injury per person

500 bodily injury per accident

100 property

Comprehensive and collision on the MR2.

Total is 494.50/6mo

J4g2F ,
@J4g2F@lemmy.ml avatar

I live in the Netherlands and now pay €188 a year. It’s just a “wa” insurance meaning if I hit something they pay the damage of the other’s, but not mine damage.

I drive a car from 2009 and have 10 years of no damages. So if your willing to move to the Netherlands wait 10 years you can lower your payment. (Not really a option I guess)

nebula42 ,

Where can I find more humor like this?

LemmyKnowsBest ,

Hopefully not on any road near you.

plantedworld ,

Bro needs a bus pass

MrJozzBoss ,

I don’t think car insurance is your biggest problem

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