Why car insurance rates are so high: ou’re paying a lot more for car insurance than you were in 2020. Here’s why.

Vox ^ | 03/22/2024 | Marin Cogan

[AUTiger83]

This article misses the point. The government, through excessive regulation and social engineering, is driving up the cost of car ownership. The purpose is to force us all onto public transportation and into cities.

According to Google (yeh, I know): "The average light vehicle on US roads is a record-breaking 12.5 years old according to a study by S&P Global Mobility. This marks the sixth consecutive year that the average vehicle age in the US has risen."

[mewzilla]

Recent case in point from Upstate NY. Note the laundry list of charges with regard to the perp, and that the hospitalized victims have had orders of protection issued in their behalf...

Two killed, two others injured in crash in area of Main Street and Humboldt Parkway

Also, note that the perp is being held without bail...

Wonder why that is...? 🤔

[mewzilla]

Note to any out-of-staters planning on coming to NYS to view the eclipse...

Read the above story.

Then change your mind and go elsewhere.

You don’t want to end up like those folks from Ohio, do you...

[CodeToad]

Illegal aliens. The number of accidents with uninsured illegals has skyrocketed as well.

I know far more people in uninsured illegal aliens than ones in accidents with insured drivers.

[mewzilla]

Another thing...

We need to get rid of no-fault.

ASAP.

[Pollard]

Cars have also become more technologically advanced, making car repair more expensive.

Think of a car made in 2004 versus a car made in 2024. If the two crashed, the car from 2024 would probably be more expensive to fix because it’s more likely to have advanced technology like backup cameras and lane sensors.

So that's why my 2001 Chevy truck + 2005 Ford Focus insurance went up $60 this year?

[Laslo Fripp]

Kamala Harris??

[central_va]

MILLIONS of “newcomer” illegals driving around without insurance wouldn’t have anything to do with it?

[ealgeone]

One thing most are missing: insurance companies cut their auto premiums during the pandemic.

Now that folks are driving again those premiums have been recouped.

Throw inflation on top of that and car repairs are more expensive.

[TexasFreeper2009]

The price of cars is more expensive and thus the insurance needed to cover them is more expensive. You can’t even buy a two door truck anymore, everything is luxury now.

Additionally, cars are made to break now on purpose to save the passengers, what would have been minor fender benders in the past total cars today because of designed crumple zones.

And lastly, electric cars are FAR more expensive to repair in an accident and thus total more easily.

Combine all the above with higher costs for parts and labor = higher insurance.

Thank a Democrat if you see them!

[Scrambler Bob]

At least 30 to 40% of people around here only pick up a policy to get their car tagged then drop it until next year.
= = =

If I drop my coverage, the insurance company immediately informs the DMV, who immediately informs ME!

With a threat of some sort.

And now that liscence plate cameras are looking for criminals, I suspect that my plate will go onto the list as uninsured.

[TalBlack]

Phones!!! Last weekend I drove from Sayville Long Island to westbury on the parkways. Going I saw a three car chainreaction, returning a half hour later I saw another one. It is now common to see there, four, five car or more accidents. Get used to it. No one is learning anything from this. Drive defensively.

[pfflier]

We got sideswiped by a hit and run late last year. The guy weaved in and out of traffic recklessly and so fast we only got a partial license. The cops never got him.

The accident investigator said it happens multiple times daily in our city of 120K. He said that most cases are suspected unlicensed and/or uninsured illegal aliens or people on drugs or smuggling drugs.

The insurance cost for us was our deductible but the insurance company paid the rest with no chance of recovery. Someone has to pay and it's the honest people that get stuck ultimately.

[TermLimits4All]

Sounds about right. It happens here in Atlanta often I’d bet.

[Salman]

Another effect of the great unleashing of the 2020 Summer of Floyd.
"We" are driving more dangerously.

[Vaduz]

We’re driving more dangerously

Indeed here in California they aim a car fail to use road rules and laws and courtesy it’s a meme deal and get out of they way hit and runs are on the uptick for a reason STUPIDITY.

[JohnnyP]

I bought an ‘03 Chrysler 300M in November, about $6k. Phoned my insurance rep in December to pay for insurance, she said it would be $3500. I also have an ‘00 Intrepid, bill for that was $1200.

The rep put me on hold then came back in a few, saying the 90k (mileage) was mistakenly entered as the value.

[lastchance]

They are not the only ones driving more dangerously. Age seems to be the predominant factor. Frankly I think a good many teenagers and young adults no longer have the maturity to be behind the wheel of a car. Red lights are simply a suggestion and the post speed limit is seen as a challenge.

I think removing actual driver’s ed from schools was a mistake.

[GrandJediMasterYoda]

Mine has gone up 38% in one year, no accidents, no moving violations, gas powered car, gas has also gone way up. So Joe can go blow it out his ass when he lies and tells us we are doing much better than 4 years ago

[GrandJediMasterYoda]

Did you hear Joe Lyin’ saying the other day we “are much better off than we were 4 years ago” LOL LOL!! Of course he can spew that garbage because he knows zero people will call him on it to his face.