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.

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.

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.

insurance is a scam. once its installed it impossible to get rid of.

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...

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

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.

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.

I have the minimum on my 2002 Chevy S10. $26 a month.

The cops can check the policy number to see if its good or not..

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.

$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.

All insurance is a scam!

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.

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!

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.

They don't.

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

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.

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.

same in the uk.

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

its deliberate to facilitate adoption of self-driving public transport.

Protection racket enforced by those calling themselves police.

The same police who will enforce any other law the communist pass.

Thread: How much cheaper would your car insurance be if the companies stopped buying TV ads for every 15 minutes?

Just think how bad it will be with millions more illegal alien uninsured shitty drivers ?

HONK HONK

My state elected an autistic insurance man to be Governor. Right away, we got mandatory car insurance.

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?

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.?

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.

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.

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.