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

 
mr jenzie

User ID: 13406667
United Kingdom
07/12/2019 01:48 PM

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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
thanks to the OVERBLOATED VALUE SYSTEM that drives profits and greed
Anonymous Coward
User ID: 77682089
Canada
07/12/2019 01:56 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.
 Quoting: Anonymous Coward 1812489


Navy Federal usually has better loan rates & excellent service too.
Anonymous Coward
User ID: 10485453
United States
07/12/2019 01:58 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
After checking the Blue Book value of my car I got rid of collision and comprehensive. That was a couple years ago. Have never needed it.
Anonymous Coward
User ID: 77779253
Canada
07/12/2019 02:01 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Buy a 10k used car and save on insurance too
go with some old fart model that the younger generations never drive because who drive your car model matters to them
Anonymous Coward
User ID: 77779253
Canada
07/12/2019 02:02 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
also, check if the model is often stolen, it affects the insurance cost too
Anonymous Coward
User ID: 77179326
United States
07/12/2019 02:20 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
But that nice lady Flo helped me bundle and save
whoopty_woop

User ID: 77735913
United States
07/12/2019 03:30 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.
 Quoting: Anonymous Coward 77808861

NO WAY!

also, check if the model is often stolen, it affects the insurance cost too
 Quoting: Anonymous Coward 77779253


This! Also, supposedly, the color of the car matters but IDK if that is embedded in the VIN or what. White cars are safer drivers (elderly and women) and red/black the highest (sports cars, trucks, younger men).

You'd have to be a moron to not shop for insurance before buying the car.

I know people paying $125 a week for full coverage with a $150 a week car note. Dude...that is $1100 a month for a depreciating asset that costs more to keep than it appreciates with gas, wear and tear repairs and maintenance!

Buy used...and go to a Mom & Pop agency who works with "B-list" carriers.

A lot have long histories of unpaid/late bills that have affected their rates on top of living in undesirable zip codes with high theft rates or high cancellation rates.

Insurance ratings are so prejudiced they should be against the law.
DeplorableDoomsdayGuy​

User ID: 77361703
Canada
07/12/2019 05:18 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.
 Quoting: Anonymous Coward 42079668


Sure they can. All they have to do is place a call to the insurance company and ask. The agents info is on there as well. If you play stupid games you win stupid prizes.
I identify as an A-10 Warthog, and my preferred pronoun is Brrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrt. Thank you
DeplorableDoomsdayGuy​

User ID: 77361703
Canada
07/12/2019 05:23 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
 Quoting: Anonymous Coward 77441624


Availability of parts for an "older car that don't cost much" also factors in to that price, which is something a lot of people don't think about.
I identify as an A-10 Warthog, and my preferred pronoun is Brrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrt. Thank you
DeplorableDoomsdayGuy​

User ID: 77361703
Canada
07/12/2019 05:23 PM

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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
accidental double post

Last Edited by DeplorableDoomsdayGuy on 07/12/2019 05:24 PM
I identify as an A-10 Warthog, and my preferred pronoun is Brrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrt. Thank you
Anonymous Coward
User ID: 76872406
United States
07/12/2019 05:25 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Yes we are paying 440 a month because of a teenage driver.
eatinmraw
User ID: 41033436
United States
07/12/2019 05:29 PM
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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




I know and have three cars. We have full on only one but you've got to have something. If you have no ins and hit a car full of kids and a pregnant woman you'll be fucked for a long time to come. At 59 and no tickets or accidents for 30 yrs and I'm payin out 180 bucks a month with Farmers.

It sucks but the possible alternative would have me payin my retirement money to someone else should I plow into them.



TS-fugetaboutit
Anonymous Coward
User ID: 74661623
United States
07/12/2019 05:30 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
If it was a fair deal--they would have to force you to get it at gunpoint.
Anonymous Coward (OP)
User ID: 77589170
United States
07/13/2019 07:24 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Pretty bad when you can afford a car, but not the insurance.
Anonymous Coward (OP)
User ID: 77589170
United States
07/13/2019 07:25 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Yes we are paying 440 a month because of a teenage driver.
 Quoting: Anonymous Coward 76872406


Sucks doesn't it?
Anonymous Coward
User ID: 77808861
United States
07/13/2019 07:59 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.
 Quoting: Anonymous Coward 77808861

NO WAY!


 Quoting: whoopty_woop


Absolutely, we did!

Gaston Caperton 31st Governor of West Virginia from 1989 to 1997
Anonymous Coward
User ID: 77746918
United States
07/13/2019 08:18 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.
 Quoting: Anonymous Coward 1812489


USAA is a joke crap hole company. a bunch of teleworkers in pajamas pretending they know something,,,please

stfu
Anonymous Coward
User ID: 76155944
United States
07/13/2019 08:22 PM
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Re: Auto insurance costs are ridiculous these days. Its a complete ripoff!
Have you called Flo?