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Sep 25th, 2003, 01:26 PM | #1 |
Stationary Wonderer
Joined: Apr 2002
Location: In front of my computer
Age: 39
Posts: 1,140
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Car Insurance
I just finally got my lisence a few days ago. So now im calling a few insurance places to see how much our rate will go up after adding me as a casual driver of my mothers vehicle. I figured it would shoot up a little. But holy fu*ing shit !. They want us to pay over 1,745.00 dollars over six months. They said monthy it was like 247.00 or something to that effect. I called Progressive and it was about the same (Were using AAA at the moment). It sickens me that these insurance companies are allowed to charge OBSCENE amounts for insurance when its a LAW that we have to have it to drive.
I mean, dont they realize that there are people in the world who arent making all that much money . How do they expect working class americans to get around and make money when they cant afford to pay for car insurance. Its rediculous. My mothers car payment is 365.00 a month. So hell..it wouldnt take long before she payed more for here freakin insurance than for her car after its paid off next year. And imagine if she had a junky car that she paid a thousand bucks for total. Then the insurance would be far more expensive than the vehicle itself. Its a travisty if you ask me. Insurance companies have a monopoly, and the governemt, instead of helping by mandating price decreses, makes it a law that we HAVE to have this rediculously priced insurance. Just another one of those insane things that happens here in the good ol United States (Kind of like making Maruajana illegal when its not even addictive and legalizing Niccotine which is)
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The kinder, gentler, Vicious Beretta55- "fo sheezy heezy neezy weezy flipity floppity floop" Lost Myth- "I already know you are something special and I think the Pistons did too, because then why would they have won the trophy on your birthday dude? Anonymous- "Whos more to blame, me for being quote un quote gullible ?, or him for lying !?" |
Sep 25th, 2003, 03:55 PM | #2 |
Stick Figure Theatre
Joined: Aug 2003
Location: LOST....
Age: 47
Posts: 252
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Another topic on auto insurance(as far as it being a rip off) is that most of us paying all this money every year for the policy, will never even file a claim on it. I know my insurance is by no means cheap and with you being a first time driver, as you stated, it's even worse for you. All this money that is being paid into these companies, mandatory by law, is just in case someone gets into a wreck or someone wrecks into your car. In my opinion, insurance companies should at least offer some kind of rebate at the end of the year if you haven't had any accidents or tickets. Like that will ever happen.
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Conformity is a weak minded man's way of thinking. |
Sep 25th, 2003, 05:31 PM | #3 | |
Rev0lution Starter
Joined: May 2003
Age: 39
Posts: 34
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Re: Car Insurance
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Sep 25th, 2003, 07:34 PM | #4 | |
Stationary Wonderer
Joined: Apr 2002
Location: In front of my computer
Age: 39
Posts: 1,140
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Quote:
But I may have a way out. My father owns and operates his own businus that I work for now and then. Im pretty sure he gets special insurance to put on work vehicles or something like that. So hopefully I can obtain a vehicle and get insured on that. But we will see. The real world sucks
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The kinder, gentler, Vicious Beretta55- "fo sheezy heezy neezy weezy flipity floppity floop" Lost Myth- "I already know you are something special and I think the Pistons did too, because then why would they have won the trophy on your birthday dude? Anonymous- "Whos more to blame, me for being quote un quote gullible ?, or him for lying !?" |
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Sep 25th, 2003, 10:15 PM | #5 | |
Rev0lution Starter
Joined: May 2003
Age: 39
Posts: 34
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Sep 25th, 2003, 10:18 PM | #6 |
Rev0lution Starter
Joined: May 2003
Age: 39
Posts: 34
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sorry for double posting but fill us in so i might understand better
what kind of car color year make etc |
Sep 25th, 2003, 10:51 PM | #7 |
Senior Member
Joined: Feb 2003
Location: Ohio
Age: 37
Posts: 464
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It makes every bit of sense that insurance rates are that high for everyone. Especially for people between the age of 18-25. Automobile accidents is one of (if not the) leading causes of death in the US. 85% of all automobile accidents are because of Driver Failure. When you get behind the wheel of a car you are in control of a weapon. So to complain that insurance rates are that high is absurd. You can always car pool or take the bus or walk to wherever you need to go.
And the reason insurance is so high for you is because you didn't take Drivers Ed. That makes rates at least $100 more expensive. But yeah $290.00 a month sucks when you probably wont need it. Though it does come in handy because you never know what will happen. You can always drive uninsured if you think your good enough Note: If you want to look up the stats go ahead. I just got done with Drivers Ed so unless the government is wrong I doubt I am.
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"Know thy enemy and know thy self," "Find naught to fear in 100 battles." "Know not thy enemy, but know thy self," "Find victory and defeat in equal measure" "Know thy enemy, but know not thy self," "Find defeat in every battle." Sun Tzu |
Sep 26th, 2003, 09:59 AM | #8 |
Dante May Cry
Joined: May 2002
Location: America's Guard of Honor: 82nd Airborne Division
Age: 40
Posts: 1,523
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I was also really pissed off when I realized I had to pay such an absurd amount of moeny for insurance. My car currently costs me $580 a month (not including gas, or maintenance) $300 monthly payments, and $280 for insurance.
On top of that, I just got a speeding ticket... going 88 MPH in a 65MPH speed limit. So now what I'm gonna do is take a DEFENSIVE DRIVING COURSE and doing so, in my case, will keep my record clean. I suggest you do the same thing, Vicious, not because of speeding tickets, but because it will lower your payments on insurance. And as far as I know Defensive Driving courses are not expensive at all, they cost around 30 bucks and only take 8 hours to complete. It's a relief to know that as soon as I begin my service with the ARMY I'll be only paying around $150 on the damned insurance
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Sep 26th, 2003, 03:31 PM | #9 | |||||||
Stationary Wonderer
Joined: Apr 2002
Location: In front of my computer
Age: 39
Posts: 1,140
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Ill be able to afford it myself when I get working regularly, but still...it aint right. Something should change. But never will. because so many people are content with being ripped off (Sadly) And finally. I think alot of you arent looking at this through my eyes here. Just as the governement never sees things through the eyes of the less fortunout*(However you spell that) .I have lived with a my mother whos been single sence I was born. Shes got a hearing impairment and can barely hear anything. That alone keeps her form getting many good paying jobs. She gets government assistance, and Dissability. But they barely give enough to live on. She also works cleaning houses here and there. So sure insurence isnt a problem when youve got a good paying job or parents who have plenty of money. But there are millions of americans who arent so lucky. There the ones getting the raw end of the stick with this overpriced car insurence. Thanks for the input though
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The kinder, gentler, Vicious Beretta55- "fo sheezy heezy neezy weezy flipity floppity floop" Lost Myth- "I already know you are something special and I think the Pistons did too, because then why would they have won the trophy on your birthday dude? Anonymous- "Whos more to blame, me for being quote un quote gullible ?, or him for lying !?" |
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Sep 26th, 2003, 06:14 PM | #10 |
Dark Angel Knight
Joined: Sep 2003
Location: I'd tell you but I'd have to kill you.
Age: 39
Posts: 578
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yeah, now i have to go through all that insurance mumbojumbo.
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The time for redemption will come, and all shall be condemed forever into darkness. |
Sep 26th, 2003, 11:08 PM | #11 | |||||
Senior Member
Joined: Feb 2003
Location: Ohio
Age: 37
Posts: 464
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Plus the car your going to drive is a lot better then my car.
__________________
"Know thy enemy and know thy self," "Find naught to fear in 100 battles." "Know not thy enemy, but know thy self," "Find victory and defeat in equal measure" "Know thy enemy, but know not thy self," "Find defeat in every battle." Sun Tzu |
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Sep 27th, 2003, 12:50 AM | #12 |
Stationary Wonderer
Joined: Apr 2002
Location: In front of my computer
Age: 39
Posts: 1,140
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Yeah, but id rather own a not so great car than have to share a good one
__________________
The kinder, gentler, Vicious Beretta55- "fo sheezy heezy neezy weezy flipity floppity floop" Lost Myth- "I already know you are something special and I think the Pistons did too, because then why would they have won the trophy on your birthday dude? Anonymous- "Whos more to blame, me for being quote un quote gullible ?, or him for lying !?" |
Sep 29th, 2003, 09:21 AM | #13 | |
Dante May Cry
Joined: May 2002
Location: America's Guard of Honor: 82nd Airborne Division
Age: 40
Posts: 1,523
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Also, I believe you can do this every 6 months for a cummulative effect. By the way, Preventer, I don't want to sound mean, but you're talking shit. Raising the insurance premiums doesn't have to do shit wether car accidents happen or not. Insurance companies move in a business very similar to gambling. They bet that you will have an accident, you bet that you will not. So yeah, the higher the risk a person will have a car accident, the higher the rates will be. Why? because they CAN'T lose money out of this business. Have you forgotten about the deductibles they also charge, additional to the monthly rates? And you know what? People actually take advantage of this shit. They wreck their cars in purpose so that the damn insurance company buys them a brand new one. Car accidents are caused by many different reasons, and raising or lowering rates DOES NOT SIGNIFICANTLY affect the number of accidents. Many drunk drivers pay high dollar insurance. They're the ones that fuck things up the most. People fall asleep while night driving. They also pay high bills in their insurance. What you say, that raising insurance rates decreases accidents, is partly true, since many people take this as a responsibility and drive more safely, however, this far from stops accidents from happening, is just like drunk drivers, they know that they'll get their ass in jail for doing that, but still, I believe the highest percentage of car accidents is due to drunk drivers. NOT because of low rates on insurance. I simply call it "legal highway robbery".
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Last edited by Frozen; Sep 29th, 2003 at 09:35 AM.. |
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