this is markets working. this is why we want police to have to carry insurance.
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do we really want private free market solutions for public problems?
When we have public solutions in-place? No. When we have no solution in-place and the police kill unarmed victims of crime who are fully cooperating with commands and then try to suppress video evidence of it? Then yeah, maybe I’m okay with an imperfect solution.
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So best case for someone like this: don’t drive. Get other people to drive you, use public transportation, get a bike, etc. But this is probably America and that is 100% not possible everywhere. Or even most places.
There is another option: State-Owned High-Risk Auto Insurance. These are insurance plans owned by individual states. Because US states all require auto insurance to drive a car and because driving a car is goddamn necessary in a lot of America, this exists.
It’s VERY expensive. Like when I was looking at getting good coverage for 2 newish cars I was staring down $500/6mo. Our state’s high-risk was $2,000+. But it exists for people like in the post who are just too expensive for ordinary insurance companies to want to insure.
At this rate I bet it’s cheaper for them to Uber everywhere.
No way. Even just commuting assuming $20 each way (cheap for rush hour) that’s $4,800 every 6 months. Probably 2-3 times as expensive as the high risk insurance.
The post said they had been paying $500 a month ($3000 for six months) and it went up with every accident. When you factor in gas and maintenance (let alone deductibles for all their accidents), ride share services might well be cheaper.
$4,800 every 6 months is only $800/month. The OP pays $500/mo on insurance, let’s say $100 on gas a month, that’s only $200/month payment on the loan for an old used car. Car ownership is expensive, but it’s probably more common for the car payment to be $500/month and insurance to be $200/month. This doesn’t even factor maintenance
Where on earth are you getting insurance for 2 cars for $500/6 months? I’m middle aged, drive a 10 year old car, and have a perfect driving record, and mine’s about $100/month. I’ve priced the same level of coverage with other companies and that’s pretty much what all of them offered.
Eta: I’m literally asking. I have no loyalty to my current company, if I can get it cheaper, I’m out.
I live in the Netherlands and now pay €188 a year. It’s just a “wa” insurance meaning if I hit something they pay the damage of the other’s, but not mine damage.
I drive a car from 2009 and have 10 years of no damages. So if your willing to move to the Netherlands wait 10 years you can lower your payment. (Not really a option I guess)
That was a few years ago. But I have the same coverage and cars for $580/6mo. BTW it’s cheaper to pay all at once usually.
But our cars are compact and subcompact about 9 & 10 years old. We carry 100/300/100. It’s GEICO is MD but it was also about the same with progressive in FL. Only one of us has a perfect record, the other is still minor and rare.
So you may just live in an expensive state for insurance.
Totally possible. CO has gotten pretty expensive for everything. :/ It may still be time to get some other estimates again, though.
I’m in a similar position, middle aged, clear driving history for about 15 years, car’s an '18. I pay ~$450 every 6 months with Progressive. Paying the whole amount up front gives me a good discount. If you can’t do that size payment at once you can pay with PayPal credit and it should be no interest for 6 months so you can get the discount and still pay monthly.
I need to check on whether I get a discount for paying all at once. I’m finally at a point where I could manage it but I have no idea what it would save.
Ooh, just checked looked and nope, USAA gives me $16/month off for autopay but no pay in full discount. Lots of pretend discounts for other stuff but that just puts them around what other insurers would charge anyway. What a rip off.
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Damn. I managed to get basic insurance for like $75/mo but it’s one where they require you to install a tracking app on your phone for the first month that gives you a higher rate if you accelerate or brake hard. I just drove like a grandma for a month and uninstalled it after.
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How old? What kind of car?
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That does seem very high o.O
That’s a pretty typical rate except for comprehensive for an entire year
I’ve noticed that some insurers give insane “fuck you” quotes for no reason. I had Progressive under my parents since I started driving, and when I got my own insurance, it was around $500/6 months through them. I wanted to get other quotes from some other insurers and the rates were absolutely insane by comparison. Like, $500-800 PER MONTH. I have no idea why they were so much more. I know there are loyalty discounts and such, but I don’t think they’re going to be ~85%.
Car insurance generally hates young adults. I paid through the nose for 6 months of crap insurance through progressive than immediately jumped to a broker who got me a lower rate on better coverage (and actually knew what the right amount of coverage was) and they’ve consistently got me more coverage for a lower rate ever since. Granted some of that probably comes from my aging out of that high risk 18-25 bracket but still
I totally get that, but what I don’t understand is why Progressive was so reasonable compared to literally everyone else for literally identical coverage. It’s like for whatever reason they were the only ones who didn’t care I was in that <25 age bracket.
So, basically, he had one accident per year. And he is not smart enough to understand that the universe is trying to tell him “Don’t drive a car, then!”
I mean “don’t drive a car” isn’t always an option, especially if you’re in America.
From a certain accident rate upwards, it is. Anywhere.
Nah, people here just drive without a license. I really wish that wasn’t the case but it’s kind of inevitable when so much quality of life here is dependent on driving.
If you’re lucky enough to have people to support you that can really mitigate it, but unfortunately we’re not all so lucky.
I don’t think this person should be driving. How do you get into 14 accidents?
I’ve been in… I think two? Ever?
I hope that image isn’t one of his… Like, it’s showing a pretty clear day, and he hit a stationary post. How do you mess up that badly?
As your attorney I advise you to buy a bus pass.
If this is real, this guy should not have a driver’s license anymore, he’s a menace on the road. Sorry my dude but I hope your insurance prices goes as high as heaven cause you should not have a car!
Any one of these “incidents” would scar me for life thinking about it and they’re just casual about it. “Most weren’t even bad accidents (hit a guy in a mall parking lot…”
I saved money on my car insurance by not having a car. Who would want to leave the basement anyways?
This guy is the reason all of our rates go up.
Never thought I’d take the side of an insurance company.
I’d be a bit worried if this isn’t someone who’s just being sarcastic.
How tf do you even get a water bottle under the brake pedal?
pedals have this thing where they have space behind them, and if you have no concern whatsoever for safety and yours, and others lives, then you can just slap a water bottle on the floorpan in front of you, and when you brake, that water bottle can roll forward and get caught under the pedal. Leading to restricted braking ability.
It can be done. I drove Uber part time and a group of girls in the back decided why not drunk water bottle fight. One rolled under as I was going downhill. That is up there with one of the most terrifying moments of my life.
I used the emergency brake and stomped the foot brake as hard as i could multiple times until it was crushed then fished it out.
I no longer drive Uber part time.
Emergency break? You mean parking break?
Drunk girls are the worst.
I imagine they’re one of those people who just have piles of trash in their car sliding around the floor and probably dashboard too.
It’s only got one post but !carbage@lemmy.world
We should get this guy in a smart car as an option on twisted metal.
Come to think about it I think the reason why us americans associate giant SUVs and trucks with safety is because we’ve gotten so lazy relying on computers and finicky cameras that get covered in mud that I personally feel safer driving my 56 bel air over modern cars because I’m able to physically move my head to see the crap around me not to mention the transmission being a two speed automatic it has a hard time getting to dangerous high speeds but I suppose that doesn’t really matter when everyone else is blind quite frankly I would love a car with modern crash safety and handling while still having the ridiculous lack of blind spots that 50s cars had I actually praise the vw golf for having not only a backup camera that doesn’t get dirty while not doing that stupid thing where for some reason a lot of auto manufacturers think we have a backup camera lets jack the rear seats so the driver has to use the camera that gets covered in mud or make the rear windshield flat enough to become unusable during winter thank you Volkswagen for not doing that with the golf I can have the backup camera and my physical neck to look behind me
Backup cameras give no depth perception. I once backed into someone’s car while trusting my backup camera. I’ve never used one since.
That’s a long sentence.
But there’s no period. It’s just a wall of text. Maybe they’re an ancient Roman?
Holy jesus fuck use some punctuation
This part of the reason why I love compact and sub compact cars. My little yaris and versa have better visibility then much larger cars. Yes a back up camera is nice is a lot of situations but so is being able to turn around and see stuff.
Wait until you’re older and looking back don’t work anymore.
god forbid you look back while you’re capable of doing so.
