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Auto insurance costs are ridiculous these days. Its a complete ripoff!

 
Anonymous Coward
User ID: 77589170
United States
07/12/2019 11:09 AM
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Auto insurance costs are ridiculous these days. Its a complete ripoff!
It cost as much as a car payment or more to have auto insurance these days!!!

Its a complete ripoff!

Teen drivers have it the worse!

[link to www.nerdwallet.com (secure)]

The national average cost of car insurance is $1,621 per year, according to NerdWallet’s 2019 rate analysis.

That works out to an average car insurance rate of about $135 per month for 40-year-old drivers with good credit and no at-fault accidents on their records before any discounts are applied. This cost includes liability, comprehensive, collision and any additional state-mandated coverage types.
Anonymous Coward
User ID: 74783034
United States
07/12/2019 11:13 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
It's getting worse. Modern cars are full of computers and wires and fiber optic cables. Bang it up or get it wet and it becomes practically unrepairable. It's not that it can't be fixed, it's just cheaper to replace it.
Anonymous Coward
User ID: 42079668
United States
07/12/2019 11:13 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
I photoshopped my insurance cards with fake dates, good for many years.

I will not be extorted by government and insurance companies

Had insurance for 20 years before I decided fuck the system.

Never used it once in all those years.

Drive smart you won't have a problem.

I believe stupid people should have their license taken rather than everyone else paying for their bad driving.
Anonymous Coward
User ID: 42079668
United States
07/12/2019 11:15 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
It's getting worse. Modern cars are full of computers and wires and fiber optic cables. Bang it up or get it wet and it becomes practically unrepairable. It's not that it can't be fixed, it's just cheaper to replace it.
 Quoting: Anonymous Coward 74783034


Yes.

Learn how to work on your own cars and only buy used.

Easy.

I'm driving 12 and 18 year old vehicles that run perfect due to good maintenance.
Anonymous Coward
User ID: 76647789
United States
07/12/2019 11:22 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
insurance is a scam. once its installed it impossible to get rid of.
Anonymous Coward
User ID: 77742308
United States
07/12/2019 11:24 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Geico kept raising my rate for two older vehicles and i have done nothing wrong except get older...
So i took their advice and in just 15 minutes i found Progressive would save me $82 a month and better coverage.

I was paying more than friends with full comprehensive on newer cars...

Bye bye Geico...

Oh and when i asked a Geico rep said it was all the new front end computer tech that cost so much to repair on others and i said why not raise THEIR rates ?

It's not on my old Ford truck...
Anonymous Coward
User ID: 76423614
United States
07/12/2019 11:34 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
basic state minimum liability insurance should be included with the cost of gas.

i'd happily pay an extra $1 a gallon if state minimum insurance was included
DeplorableDoomsdayGuy​

User ID: 75814320
United States
07/12/2019 11:38 AM

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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
It cost as much as a car payment or more to have auto insurance these days!!!

Its a complete ripoff!

Teen drivers have it the worse!

[link to www.nerdwallet.com (secure)]

The national average cost of car insurance is $1,621 per year, according to NerdWallet’s 2019 rate analysis.

That works out to an average car insurance rate of about $135 per month for 40-year-old drivers with good credit and no at-fault accidents on their records before any discounts are applied. This cost includes liability, comprehensive, collision and any additional state-mandated coverage types.
 Quoting: Anonymous Coward 77589170


If that is all that you pay for insurance, then you are getting off easy. Michigan probably has the highest auto insurance in the country because of Personal Injury Protection. If you get into an accident in Michigan and get into an accident where you are no longer able to work and/or seriously injured requiring lifetime care, the insurance company is on the hook for the first $300,000 of lost wages and medical care/assistance. After that, the state pays for the rest of your life. $220 goes to the state automatically to cover the expenses, for each vehicle you insure. That's on top of the PIP cost that gets paid to the insurance company to cover their costs. If I quote someone a basic 6-month liability policy, a good majority of the time the state get's almost half of the premium that gets collected.

The way the program works though makes it prone to abuse. The State of Michigan does not have any fee schedule coordinated with health providers, so Dr's can basically charge the state whatever they want, and the state has to pay. I know of a couple where the wife injured her arm pretty good, supposedly she has problems doing basic household chores. Since that's due to an accident, the state will pay for someone to come and do those chores. In this case, though the husband is the caregiver there so they get the money. Even if the state stopped the program now, the state is already on the hook for millions.

The whole thing is shady as fuck.
I identify as an A-10 Warthog, and my preferred pronoun is Brrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrt. Thank you
Anonymous Coward
User ID: 77259592
United States
07/12/2019 11:42 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Years ago (mid 1990's ?) I read an interesting article where they asked the question that insurance companies dread ...

"For every dollar that you get in insurance premiums, how much do you pay out in claims?

Their research showed the very best of the big insurance companies paid out about 50 cents in claims for every dollar taken in as premiums.

The worst of the big insurance companies paid out 25 cents for every dollar.

There should be a law forcing insurance companies to publish, once a year, their "claims paid"/"premiums received" ratio for the previous year.

But of course it would be impossible to get such a law passed ... the insurance companies will donate tons of money to the politicians to stop it. We are screwed.
tiger1

User ID: 77774028
United States
07/12/2019 11:51 AM

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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
I have the minimum on my 2002 Chevy S10. $26 a month.
Anonymous Coward
User ID: 76195662
Canada
07/12/2019 11:53 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
I photoshopped my insurance cards with fake dates, good for many years.

I will not be extorted by government and insurance companies

Had insurance for 20 years before I decided fuck the system.

Never used it once in all those years.

Drive smart you won't have a problem.

I believe stupid people should have their license taken rather than everyone else paying for their bad driving.
 Quoting: Anonymous Coward 42079668


The cops can check the policy number to see if its good or not..
Anonymous Coward
User ID: 76627076
United States
07/12/2019 11:56 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
You can purchase a bond, and if you don't have to use it for an accident - that was your fault, you can cash that bond in in the future and collect every dollar that you used to purchase it.
Anonymous Coward
User ID: 77808861
United States
07/12/2019 11:58 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
$18/month on my truck.
$17/month on wife's car.

$83/month total, the balance is for $125k replacement on my house.

State Farm got me by telemarketing, glad I didn't hang up that time.

Before that, I was butt-raped for 30 years by the previous agent.
Anonymous Coward
User ID: 72517976
United States
07/12/2019 11:59 AM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
All insurance is a scam!
Anonymous Coward
User ID: 77808861
United States
07/12/2019 12:03 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
If your credit rating slips a point or two, your rate goes right up. That's some BS right there. But if my credit rating improves, I have to ask for a review, and can only ask once every two years, I think.
Anonymous Coward
User ID: 77001650
United States
07/12/2019 12:11 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
You can thank the fucking Mexicans for this. Dumb fuckers think it is a game to pass as many cars as they can even with oncoming traffic coming.

FUCK YOU DUMB MEXICANS, GET THE HELL OUT!
Anonymous Coward
User ID: 57023320
United States
07/12/2019 12:14 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
I photoshopped my insurance cards with fake dates, good for many years.

I will not be extorted by government and insurance companies

Had insurance for 20 years before I decided fuck the system.

Never used it once in all those years.

Drive smart you won't have a problem.

I believe stupid people should have their license taken rather than everyone else paying for their bad driving.
 Quoting: Anonymous Coward 42079668


You do realize Police are using card reader scanners now? They scan your license plate as you drive by them, it checks with a database if you have insurance or not.

Granted, the process is still in the early stages of deployment.
Anonymous Coward
User ID: 42079668
United States
07/12/2019 12:21 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
I photoshopped my insurance cards with fake dates, good for many years.

I will not be extorted by government and insurance companies

Had insurance for 20 years before I decided fuck the system.

Never used it once in all those years.

Drive smart you won't have a problem.

I believe stupid people should have their license taken rather than everyone else paying for their bad driving.
 Quoting: Anonymous Coward 42079668


The cops can check the policy number to see if its good or not..
 Quoting: Anonymous Coward 76195662


They don't.
Anonymous Coward
User ID: 42079668
United States
07/12/2019 12:24 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
I photoshopped my insurance cards with fake dates, good for many years.

I will not be extorted by government and insurance companies

Had insurance for 20 years before I decided fuck the system.

Never used it once in all those years.

Drive smart you won't have a problem.

I believe stupid people should have their license taken rather than everyone else paying for their bad driving.
 Quoting: Anonymous Coward 42079668


You do realize Police are using card reader scanners now? They scan your license plate as you drive by them, it checks with a database if you have insurance or not.

Granted, the process is still in the early stages of deployment.
 Quoting: Anonymous Coward 57023320


Ok?

If they check with DMV it still says I have insurance.

Who do you think gets the insurance card to renew my plate?

It will take widescale integration of insurance companies and DMV which won't happen.


The big insurance companies will report you to DMV when your insurance lapse, but most smaller and local ones won't
Anonymous Coward
User ID: 42079668
United States
07/12/2019 12:27 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
$18/month on my truck.
$17/month on wife's car.

$83/month total, the balance is for $125k replacement on my house.

State Farm got me by telemarketing, glad I didn't hang up that time.

Before that, I was butt-raped for 30 years by the previous agent.
 Quoting: Anonymous Coward 77808861


It also depends on where you live.

Where I am it doesn't matter how good your driving record is, I have no accidents or tickets, ever.

It doesn't matter how old you are either, they are charging folks 100 a month or more for state minimum.
Daggo
Deplorable Extraordinaire

User ID: 77035453
United States
07/12/2019 12:28 PM

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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Car and Truck together, $42.00 a month. 100k/100k liability with, uninsured motorists, $5,000 medical pay, and roadside assistance, Liberty Mutual through USAA's Military discount.

OP if you're Military or prior Military and have a good driving record, you need to get in touch with USAA.

It also helps if you don't live in high crime/accident prone areas like big cities.
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8-14-2018 The day Free Speech died in America
Anonymous Coward
User ID: 77728495
United Kingdom
07/12/2019 12:30 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
same in the uk.

£3000 / year to get insurance on a shit car.

its deliberate to facilitate adoption of self-driving public transport.
Anonymous Coward
User ID: 1588220
United States
07/12/2019 12:36 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Protection racket enforced by those calling themselves police.

The same police who will enforce any other law the communist pass.
Anonymous Coward
User ID: 61603070
United States
07/12/2019 01:03 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Thread: How much cheaper would your car insurance be if the companies stopped buying TV ads for every 15 minutes?
Anonymous Coward
User ID: 77357005
United States
07/12/2019 01:06 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Just think how bad it will be with millions more illegal alien uninsured shitty drivers ?

HONK HONK
Anonymous Coward
User ID: 77808861
United States
07/12/2019 01:10 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
My state elected an autistic insurance man to be Governor. Right away, we got mandatory car insurance.
Anonymous Coward
User ID: 77542771
South Africa
07/12/2019 01:11 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Its risky... if you have you pay. If you dont you pay. Just depends how much difference really. Its like medical aid... do you actually end up paying more?
Anonymous Coward
User ID: 77673739
United States
07/12/2019 01:17 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
I know a Collision Repair Owner, he says the price on replacing damaged parts is RIDICULOUS, that is where the SCAM IS. He has to pass on the prices to the customer.

CHOP SHOPS owned/run by Insurance Companies.?
Anonymous Coward
User ID: 77441624
Canada
07/12/2019 01:29 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
I know a Collision Repair Owner, he says the price on replacing damaged parts is RIDICULOUS, that is where the SCAM IS. He has to pass on the prices to the customer.

CHOP SHOPS owned/run by Insurance Companies.?
 Quoting: Anonymous Coward 77673739


Much of this is caused by the gas mileage requirements required by the federal government. The cars are made increasingly lighter every year but still must pass NHSC crash tests. All of the metal is paper thin with honeycomb structure behind the body panels to absorb and disperse impact. Even a minor accident will necessitate all of this structure being torn down and replaced. Alot of labor and alot of new parts $$$$$. Plus all the glass is being made way thinner so people are having to replace windshields more than ever in the past. Idiots think they saving money on gas because it gets good mileage but the cost is just being passed on to other areas like higher insurance premium and deductible costs. So said idiots go off to blame the insurance companies for "ripping them off" when, as usual, the source of the increased cost is government regulation.
norespect
Anonymous Coward
User ID: 77682089
Canada
07/12/2019 01:42 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Car and Truck together, $42.00 a month. 100k/100k liability with, uninsured motorists, $5,000 medical pay, and roadside assistance, Liberty Mutual through USAA's Military discount.

OP if you're Military or prior Military and have a good driving record, you need to get in touch with USAA.

It also helps if you don't live in high crime/accident prone areas like big cities.
 Quoting: Daggo


We have USAA homeowners & auto insurance. We pay more than avg for our area through them. With that said- we know the service we’ll receive & that matters.

We live in a no fault state- excellent credit, long time policy holders, no accidents/tickets, two adult, one 21y/o driver- pay approx $3000/yr on 3 vehicles- all low yr mileage, w roadside.
Anonymous Coward
User ID: 1812489
United States
07/12/2019 01:46 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Car and Truck together, $42.00 a month. 100k/100k liability with, uninsured motorists, $5,000 medical pay, and roadside assistance, Liberty Mutual through USAA's Military discount.

OP if you're Military or prior Military and have a good driving record, you need to get in touch with USAA.

It also helps if you don't live in high crime/accident prone areas like big cities.
 Quoting: Daggo


Best damn insurance company ever.

Had them since 2004, best decision I ever made.

Had all my cars, home, apartments, even car loans and credit cards through them.

Now it’s just my car insurance, less than $450 per year.