Dear collector car insurance

[Steven]

Firstly, I'd like to thank you for your competitively priced insurance for my fathers 65 mustang. Secondly, I'd like to ask you to quickly come behind me and kiss my ass. I am under the influence that your wanting me to sign a waiver and a driver exclusion form to insure any of my fathers vehicles, so that there is no chance that I will drive the car. As much of a dick move that was, I applaud you at your counter threat of dropping the insurance completely, however I'd again like to ask you to go to hell and please don't come back. Discriminating insurance companies are one of the worst things in the world, and you are definately one of them. There is little we can do about it but drop your coverage, however I will not go that route. Theres little evidence you could provide short of statistics that attempt to prove your point however with what little evidence you have, you also have a little arguement. I'd just like you to know that you are contributing to the downfall of america, and make it impossible for any average person to afford insurance. What's worse is that the average younger male can not afford insurance due to the discriminating rates and the fact that the government stands behind you while at the same time telling you that you must have insurance. It's a big devilish circle that may as well have been invisioned by dante himself. What do you expect us to do? Really? You can't get the cheap insurance, because the coverage is so horrible that it's not worth the money per month. I'd end up paying 150 dollars for basically no coverage and a piece of paper. It's ridiculous when you think about it, but you don't care, because yours is probably covered because you work there. What will end up happening, is that the government will step in and create a national basic car insurance and it will suck, just like every federally run program. National health cares a joke, and so is the IRS. Eventually you get to the point your simply working to just exist, you don't make enough money to even live and go to all these "public" funded aquariums, museums, and monuments, because your to busy paying for them. It's a viscous cycle that I'm otherwise fed up with. All the while I'm only 19. So to end this conversation dear insurance company, kiss my ass, you man whores you.
Love
steven

 

[CC'S95GT]

wow.
Or you could become one of them and have your insurance paid. You man whore.

j/k

I feel your pain.
And why do they raise your premiums because of a few velocity violations? If the car was in an accident I could understand it.
And why do some of them drop you after being in 1 accident in say 10 years or more?
But you gotta have it not only because it's the law but to protect yourself from some drunk douchebag with no coverage and living in a flee bag hotel with not a dime to his name.

 

[Paul]

It's all risk based. Read up on actuaries and what they do and you'll understand better.


Of course insurance is high for teenagers - they do stupid shyt, crash their cars, and hurt people. As long as that continues to happen, insurance will continue to be high.

Paul.

 

[Steven]

Well thats the thing is that they stereotype you. I can understand the reasons and basic concepts behind assuming it because I know quite a few iddiotic people my age, but when it comes down to it, it makes it unaffordable for all teens, which you would think they would want as much coverage as possible. Rather then people just paying for it, they get cheap ass coverage instead of good but over priced coverage. I suppose it's why safeauto gets an ass of business everyday. lol

 

[Paul]

They have no way of differentiating one teen from another really, so pricing is just expensive for all.


I did all kinds of dumb stuff when I was a kid. It's a wonder I didn't wreck any cars.

 

[Steven]

Luck.


Who knows. It's annoying, but how it is for now anyway. I'll look forward to the day my insurance doesn't require my left nut as collateral lol.

 

[D3VST8R96GT]

Paul you cant judge all teenagers alike .....on the 4th i went to a party were there was nothing but 40 yr olds (they all went to highschool together) ....they were shooting bottle rockets at each other and holding them as the went off .....age is just a a number ....most of your wives will atest to the statement "get more then 3 guy in a group together no matter the age we turn '16' again" .....now they say 16 but its not an age its a mentality Paul atleast for males hahaha

even though its been proven women are worse drivers then accidents wise.....males still get the pervebial shaft .......i hate it when i was 16 i paid more insurnace for my beater truck then my sister paid with 6 points on her license multiple accidents (one just 49 days after she got her license whigh involed 4 or more vehicles) several speeding tickets and she was driving the camaro that used to be mine

 

[Paul]

In terms of an insurance company, you CAN judge all teenagers alike. They don't have the resources to be following around every one of their insured teenagers to see if they drive like an idiot or not.

I also seriously doubt that "it's been proven women are worse drivers." If that were the case, the insurance rates would reflect that, and frankly, they don't.

 

[D3VST8R96GT]

In terms of an insurance company, you CAN judge all teenagers alike. They don't have the resources to be following around every one of their insured teenagers to see if they drive like an idiot or not.

I also seriously doubt that "it's been proven women are worse drivers." If that were the case, the insurance rates would reflect that, and frankly, they don't.

"researchers at the Johns Hopkins Schools of Medicine and Public Health have found that, when the total numbers of crashes are considered, female drivers are involved in slightly more crashes than men. Overall, men were involved in 5.1 crashes per million miles driven compared to 5.7 crashes for women, despite the fact that on average they drove 74 percent more miles per year than did women."

so even though we drive 74% MORE!!!!!!! we still have fewer accidents per mile ...

google is my friend

and its not the fact that they are teenagers its the fact that they are new to driving ....not an age thing ....i was involved in a minor accident (with an illegal immigrant no damage to my vehicle and no injuries) and i have never had a ticket what so ever.... now if it was soley based on driving experience i wouldnt mind so much but when a new yorker moves to az and get his license for the first time at age 28 .....still pays less then me of course ill be upset ...


http://www.junkscience.com/news2/womendri.html ........... here is the article though it contradicts teenage boys being better drivers hahahah it prover men are better overall.

insurance companies are in a way corrupt ....its state required, but they can charge what they want... i mean WTF???? if the govt. whats to but thier nose in on shit all the time atleast do us a favor a regulate it in the people favor ....its true i feel my coverage is not worth what i pay for, insurance is insurance not partial insurnace i should be getting full coverage for the price i pay ...im paying a company to insure me ....not "oh your not covered for that" BS

its a effed up monopoly where all the companies are raising the prices slowly EVEN THOUG ACCIDENTS RATES HAVE GONE DOWN (it was on the news awhile ago i wouldnt be surprised if u saw it)

 

[DropTopPony]

Insurance Co's are the Devil!!!!

But the majority of people under 22 drive like idiots when friends are with them. They also lack experience and skill, i constantly see them cutting corners and passing on the right at high speed etc.

As you get older you will see that you calm down and thats why your insurance drops.

Be lucky you don't live in NJ, I used to pay $3000 a year for a 85 RX7 in 1991 just for basic liabilty coverage. I was 18 and had no points or tickets. It was almost $5000 for full coverage. I'm sure its atleast $1000 more for those coverages and 18yr olds here.

 

[D3VST8R96GT]

Insurance Co's are the Devil!!!!

But the majority of people under 22 drive like idiots when friends are with them. They also lack experience and skill, i constantly see them cutting corners and passing on the right at high speed etc.

As you get older you will see that you calm down and thats why your insurance drops.

Be lucky you don't live in NJ, I used to pay $3000 a year for a 85 RX7 in 1991 just for basic liabilty coverage. I was 18 and had no points or tickets. It was almost $5000 for full coverage. I'm sure its atleast $1000 more for those coverages and 18yr olds here.

i like ur use of the word "majority" hahaha

my grandma was a speed demon def not the typical snow bird age is just a number though speed/driving is a mentality ....

the most likely reason rates go down is because people cant buy sports cars and drive fast cause they start having kids and have jobs not becuase they lose the speed mentality or get older it cause other things come up

 

[DropTopPony]

Insurance Co's are the Devil!!!!

But the majority of people under 22 drive like idiots when friends are with them. They also lack experience and skill, i constantly see them cutting corners and passing on the right at high speed etc.

As you get older you will see that you calm down and thats why your insurance drops.

Be lucky you don't live in NJ, I used to pay $3000 a year for a 85 RX7 in 1991 just for basic liabilty coverage. I was 18 and had no points or tickets. It was almost $5000 for full coverage. I'm sure its atleast $1000 more for those coverages and 18yr olds here.

i like ur use of the word "majority" hahaha

my grandma was a speed demon def not the typical snow bird age is just a number though speed/driving is a mentality ....

the most likely reason rates go down is because people cant buy sports cars and drive fast cause they start having kids and have jobs not becuase they lose the speed mentality or get older it cause other things come up

Majority is correct,
When you get to 30-35 years old you are going to say DAMN I WAS A F'IN IDIOT I CAN'T BELIEVE I AM NOT DEAD!!!!!
I say it all the time.

People can throw out stats all day long but can you imagine how many accidents with teenagers are not reported or reported as Adult drivers to keep the parents insurance rates from jumping through the roof. I have been in 3 accidents with teenagers and every time the parents wanted to keep it quiet and pay cash etc.

Young people are more prone to do stupid things period.
You won't agree because you are young.

 

[D3VST8R96GT]

hahaha i wont agree with saying "everyone"

i know in order to be old and wise u must first be young and stupid ...but just because you're young doesnt mean you are stupid ...and not young stupid people grow to be wise ....or even old hahahaha

but look at the changes from back in the day we have seat belts and airbags unleaded gas no lead in the paint etc ...

i do agree with insurnace companies being corrupt "EVERY" single one of them....there is nothing wrong with being in it only for money but when u take advantage of people then it becomes wrong

its not me disagreeing because im young and your older its just i hate being judge by my age im not the "normal/stereotypical" 19 yr old nor are any of the other people on here ....we are all dif people of all dif maturity levels ......like i said age is just a number im sure u can agree with that in some way

 

[Steven]

I would say a majority of people lack the skill. However in some cases, like my own, I've been racing for over half my life time now. Since I was 8, when I was taught a crash course in minisprint/gokart racing. I know you can't just follow everyone around, however I think it would be correct if you could somehow provide information and a way to prove your not the stereotypical iddiot driver? It's a long shot but..

 

[duh09]

Insurance sucks.

When I first got my Bronco and we got coverage on it for me, my parents had me down as the primary driver and we had liabilty on it. With me being 16 and just liability, I was only allowed to drive that vehicle AND our rates were RIDICULOUSLY high. Get this, we switched me over to the primary driver of my dad's F250 (cheaper than my mom's "high performance" Silverado SS) which has full coverage and now its cheaper AND I can drive any of the vehicles and be covered. That's stupid. With what we were paying for my on liability, we could have just paid for full coverage. We couldn't afford 3 vehicles being fully covered so we had to move it around, but their rules and pricing and all that is nonsense.

 

[Dr Fildo]

Some insurance companies have actually started using people's CREDIT RATINGS to determine coverage cost. How ridiculous is that? The argument there is that people with poor credit are more likely to be bad drivers. I would LOVE to know how they came up with that. And I think that they should be held to their own standards. For instance, if your credit score is good, they should have to DECREASE your rates. But we all know that is not going to happen.

 

[DropTopPony]

Some insurance companies have actually started using people's CREDIT RATINGS to determine coverage cost. How ridiculous is that? The argument there is that people with poor credit are more likely to be bad drivers. I would LOVE to know how they came up with that. And I think that they should be held to their own standards. For instance, if your credit score is good, they should have to DECREASE your rates. But we all know that is not going to happen.

They do that here in NJ as part of your premium and it pisses me off. I was shopping around for the best rate and they all wanted to run my credit first. I told them i was a 750+ and make me a round about quote based on that and some refused to do it so i let them know they had no shot at earning my business if they didn't.

 

[Paul]

Even if it were true that men get in fewer accidents, that doesn't necessarily mean they are better drivers. If those accidents are more severe, cause more damage, more injuries, more death, etc... that will have an impact on insurance rates.

The reason insurance companies run credit reports is because it is likely that the actuaries have found statistical correlation between good credit and good drivers. It doesn't sound like much of a stretch to me. If you have bad credit because you're irresponsible, then it is likely that you could also be an irresponsible driver. It is a perfect correlation? No. But probably reasonably accurate.

All of you guys probably know nothing about actuarial risk, and the insurance industry in general. Maybe one or two actually have a little experience. DropTop is right, you're all young so you won't agree because you already know everything.

You sound like a bunch of whiny dumb kids to me.

Paul.

 

[Steven]

I'm actually taking probability and statistics in a month at college. It's pretty easy to be pissed when you do nothing but are charged like you did.

 

[Paul]

Insurance isn't based solely on what you've done, but also the likelihood that something will eventually happen.