I really have little respect for the insurance industry, because instead of apportioning the risk and premiums correctly, they choose to do as little as possible and spread it out. I have a perfectly clean record, my Maxima is what, almost 4 1/2 years old, and I pay more for insurance than when it was brand new. Common sense says the Max is only worth about 40% of its original value by now.

Insurance needs to be more diligent and charge those that make claims more. At least the rates should stay the same when you have no claims and no incidents or violations. Yet every 6 months it goes up 5% or so. BTW I'm in the Philly suburbs.

Stamp out FRAUD!! It costs good drivers money!

 

I love insurance companies, like I love a bullet in the head.....

 

You pee standing up. That is the biggest reason they have for screwing you over.

 

So that would mean that woman don't get screwed over

DW

 

Not really. My comment was rather in jest. I do believe that insurance companies stick to guys more than women, maybe rightly so. It just bugs me to see my insurance still rather high after 4 years without a ticket, and my wife's sister's insurance still cheap as ever after a couple recent tickets.

 

I think I read somewhere that women get into more accidents than men but men are considered more aggressive drivers and therefore the higher insurance premiums.

 

I think I might have seen that also. It would be nice if some of these insurance companies would give their reps some flexibility with their clients rates instead of locking everyone into categories. Just because I'm a male in my 20s doesn't mean I drive like a pyscho. Well, not everyone day anyway.

 

You know how rates could come down in a hurry? And since I'm a liberal it would never fly, but make EVERY insurance co. offer insurance in EVERY STATE if they want to sell auto insurance. Because when you get down to it they're just a big bunch of crybabies who only play when the odds and regs are in their favor. How many big boys do not do business in NJ and MA? Force them to offer insurance there. Sure, we'd all be in Atlantic City every weekend if the roulette wheel had only one color, which are the odds that insurance companies enjoy. Sorry fellas, no offense, but I'm glad I don't work in such a dishonest business.

 

OK, Insuring in NJ SUCKS..I just had to do this..1500 a year on my 89 max..my record is ehh slightly soiled. I feel fortunate to get such a rate, even if it is the lowest coverage humanly possible.

Girls don't get screwed over, just screwed.. and jizzed over

 

my 93 costs more to insure today than it did when i bought it in 95.( with a clean liscense no claims in 17 years.)

insurance rates (they claim) are largly based on the book likelyhood of the vehicle being in a reportable accident. look at the posts, about once a week someone wrecks his car.

the older a car gets, the more likely a younger owner owns it, the more likely they crash it, keepem between the lines.

 

I couldn't agree more. Chicks can drive much more aggressively than guys. Especially when you get daddy's girl with a TA!

 

You mean my insurance company figures I'm younger now than in 1998?

I think everyone hates insurance and knows how dishonest a living it is. Dave Letterman just had a joke on his show last night. He had two Sopranos like guys leave the studio with baseball bats to pay a visit to an insurance agent. Then as a twist, they played baseball. But in the end, they broke the guys kneecaps. Even though it's all in fun and laughs, at least most people have the same low opinion on those people.