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02-10-2013, 07:31 AM | #1 | |
Scooby Guru
Member#: 73805
Join Date: Nov 2004
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'Good drivers' often pay more for insurance, study finds
Quote:
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02-10-2013, 09:13 AM | #2 |
Scooby Specialist
Member#: 225692
Join Date: Oct 2009
Chapter/Region:
MAIC
Location: Pittsburgh, PA
Vehicle:2015 WRX DGM |
Posting because I care
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02-10-2013, 10:19 AM | #3 |
Scooby Specialist
Member#: 246224
Join Date: May 2010
Chapter/Region:
MAIC
Location: Chesapeake
Vehicle:2018 Type RA 271/500 CWP |
Posting because of first hand experience with companies like state farm who are notorious for over charging you until you are 25 or older and married.
They tried making me pay as much as my car payment at the time (400 a month) so i dropped them for usaa and now pay 800 a year for my car. Bunch of crooks is what these companies are. Glad i found one that wasnt one for a change. Last edited by Lrn2Corner; 02-10-2013 at 10:31 AM. |
02-10-2013, 11:12 AM | #4 |
Scooby Specialist
Member#: 34406
Join Date: Mar 2003
Location: Southern California
Vehicle:2006 Evolution IX graphite gray |
That was the dumbest article I have read in a while. It's misleading because the two scenarios were not otherwise equal outside of the driving records, even though they made it sound like the driver with the clean record was getting screwed, when in fact she had far fewer discounts (lower level of education, lower skilled occupation, no home ownership and no prior insurance) that obviously played a role. If they had made everything else equal, then the driver with the clean record would have had a lower rate 10 times out of 10.
Also, the hypothetical accident had only $800 in damage, which is below the threshold for many insurance companies and is very low for an accident (and unlikely to be the case in a typical accident) and may not have had a big effect on the rates. If they had an accident of, say $2,000 or greater (which is more likely assuming more than a side mirror is damaged), or one that included bodily injury, then that may have also changed things. And just to show you how idiotic that writer was, they called California the "sunshine state," a title that belongs to Florida. |
02-10-2013, 06:33 PM | #5 |
Scooby Specialist
Member#: 132389
Join Date: Nov 2006
Chapter/Region:
BAIC
Location: SF Bay Area
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There are a lot of highly educated individuals that can't drive for ****. You just need to drive in and around the SF Bay Area to be convinced of that fact. But, I guess this is to be expected when driver education is not mandatory.
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