Car Insurance with Gender equality

[jds31788]

AHH HAA!! SO YOU ADMITT IT!!! see girls drag race too! and im with you on that first infraction except mine was a 91 in a 50... friends were involved... luckily the nice officer wrote it for a 64 in a 50 soo i cant complain.. but ive learned my lession and i am definately going to be more careful..ever heard of forgive and forget.. something does need to be done the statisticts are outdated and it should be fair

 

[1journeyman]

Originally Posted by jds31788
AHH HAA!! SO YOU ADMITT IT!!! see girls drag race too! and im with you on that first infraction except mine was a 91 in a 50... friends were involved... luckily the nice officer wrote it for a 64 in a 50 soo i cant complain.. but ive learned my lession and i am definately going to be more careful..ever heard of forgive and forget.. something does need to be done the statisticts are outdated and it should be fair
Hard to forgive and forget if your behavior kills people... that's what kids dragging racing does. The companies will "forgive" your infractions 35 months after they occur.
The statistics are not outdated... insurance companies constantly "revise" rates based on statistics..
See my above post. Insurance is not a "right". If you don't like paying for it through a private company you can go through the "state" pool. (enjoy your rates there, btw)

 

[37g joe]

Originally Posted by 1journeyman
Geico is not one of the "Big 3". I believe they are Farmers, Allstate and State Farm.
Statistics all say that males age 16-21 are the most dangerous drivers. Honestly, everyone who has been through HS knows why... If high insurance makes a 17 year old male think twice before buying that Mustang GT then great... Insurance companies have plenty of bean counters who crunch numbers constantly to make sure they are making the most money while staying competitive.
Insurance Companies are businesses. They are in business to make money.
Insurance; whether auto, home, flood, health etc., is not the "right" of Americans. It is a privilige. If all you need is "liability" insurance then you will find the rates are not that excessive unless your driving record is obnoxious.
As we all know statistics can be molded to however you want. How old are these studies and what is the spread between male and female I want to know this. why dont they make the elderly pay more (not saying they should its just we all know that as we all get older that our reflexes dwindle) The reason why they can do it is because thier are no public interest groups for 16-21 year old males. If the same stastics showed that a paticular nationality where more dangerous Drivers and I bet some one could come up with one. That would not make it right to make them pay more. Ive been out of the country and trust me thier are alot of bad U.S. drivers but thier are places that it is alot worse. One country I was in while I was on the road I was freaked out. back in 2002 when I was in this paticuklar country the number 2 reason for death was pedesterians being hit by cars. The first dead person i saw in my life was someone in that country who had been hit by a landrover it was very grusome. Now this is more of a culture thing and not a nationality thing but still the insurance companies could you these stastics to target groups. But they would not because thier would be a public out cry.
16-21 year old males dont have the power to stop this and other people dont care because it means they dont have to pay as much in insurance.
We think it is alright for this practice to continue because we have been condtioned to think it is alright. But when we look at it carfully we can finaly realise that this is no different then any other type of discrimination. (im not saying it is a bad as some sorts of discrimination that other groups have endoured, I know I could never understand what some people have been through but it is just another form of discrimnation and unfair practices)

 

[1journeyman]

Originally Posted by 37g Joe
We think it is alright for this practice to continue because we have been condtioned to think it is alright. But when we look at it carfully we can finaly realise that this is no different then any other type of discrimination. (im not saying it is a bad as some sorts of discrimination that other groups have endoured, I know I could never understand what some people have been through but it is just another form of discrimnation and unfair practices)
No.. "we" think it is ok because Insurance Companies are private companies offering a product. If you don't like the product, don't buy it.
As I have said twice now, Insurance companies constantly review rates and revise them accordingly.

 

[37g joe]

Originally Posted by 1journeyman
Hard to forgive and forget if your behavior kills people... that's what kids dragging racing does. The companies will "forgive" your infractions 35 months after they occur.
The statistics are not outdated... insurance companies constantly "revise" rates based on statistics..
See my above post. Insurance is not a "right". If you don't like paying for it through a private company you can go through the "state" pool. (enjoy your rates there, btw)
My 68 grand father Drag races with his 1932 moddle B that is lowered and has a 350 chevy in it dont say just kids thier are alot of adults who race and I ve seen them. how about the midlife crises male who tends to by a fast car and wants to street race it is very comon in the northwest. I dont live in a large city so i cant use public trasportaion Insurance is required in my state by the Law. A car is a necessity in my area. And insurance companies are required by law not to decline from giving a person auto insurance so that is a RIGHT ! The Civil Rights Act is A Right. Show me where the civil rights act does not impart on 16-21 year old males. We have the right to be treated equally.
Show me the stastictics I have searched many places cant find them why dont they allow us to see them.

 

[37g joe]

Originally Posted by 1journeyman
No.. "we" think it is ok because Insurance Companies are private companies offering a product. If you don't like the product, don't buy it.
As I have said twice now, Insurance companies constantly review rates and revise them accordingly.
Private compaies use to segregate African americans In resrturants and other establishment they would use the same arrogant argument that You use if you dont like it then dont buy our product. this is a product by law you have to have it not somthing you have a chice about. Show me the proof about rivissions im not saying your wrong but show me facts

 

[1journeyman]

Originally Posted by 37g Joe
My 68 grand father Drag races with his 1932 moddle B that is lowered and has a 350 chevy in it dont say just kids thier are alot of adults who race and I ve seen them. how about the midlife crises male who tends to by a fast car and wants to street race it is very comon in the northwest. I dont live in a large city so i cant use public trasportaion Insurance is required in my state by the Law. A car is a necessity in my area. And insurance companies are required by law not to decline from giving a person auto insurance so that is a RIGHT ! The Civil Rights Act is A Right. Show me where the civil rights act does not impart on 16-21 year old males. We have the right to be treated equally.
Show me the stastictics I have searched many places cant find them why dont they allow us to see them.
http://investors.progressive.com/05Q...daresults.html
Grr.... you are "treated " equally.. along with everyone else in your age group..
Some companies do charge elderly drivers more. Some companies require a Dr's letter approving elderly drivers for driving. (regulated state to state. Some states do not allow this)
As I said previously, if you don't like your insurance company go through your state. Each state that requires LIABILTY insurance has a state pool (required to by Federal Law as some drivers have records so bad that they cannot be insured by private companies)
Statistics show that young drivers cause more serious accidents, drive drunk more often, get pulled over for serious violations more often, etc...
Did I mention I earn vacation money writing auto insurance through my families' Insurance agency?

 

[michelle l]

Originally Posted by 1journeyman
No.. "we" think it is ok because Insurance Companies are private companies offering a product. If you don't like the product, don't buy it.
As I have said twice now, Insurance companies constantly review rates and revise them accordingly.
In Illinois, we don't have a choice. Insurance is mandatory and required by law.

 

[michelle l]

Originally Posted by jds31788
AHH HAA!! SO YOU ADMITT IT!!! see girls drag race too! and im with you on that first infraction except mine was a 91 in a 50... friends were involved... luckily the nice officer wrote it for a 64 in a 50 soo i cant complain.. but ive learned my lession and i am definately going to be more careful..ever heard of forgive and forget.. something does need to be done the statisticts are outdated and it should be fair
I never denied it in the first place...I have been agreeing all along that girls can be just as dangerous as boys!!

 

[37g joe]

Originally Posted by 1journeyman
http://investors.progressive.com/05Q...daresults.html
Grr.... you are "treated " equally.. along with everyone else in your age group..
Some companies do charge elderly drivers more. Some companies require a Dr's letter approving elderly drivers for driving. (regulated state to state. Some states do not allow this)
As I said previously, if you don't like your insurance company go through your state. Each state that requires LIABILTY insurance has a state pool (required to by Federal Law as some drivers have records so bad that they cannot be insured by private companies)
Statistics show that young drivers cause more serious accidents, drive drunk more often, get pulled over for serious violations more often, etc...
Did I mention I earn vacation money writing auto insurance through my families' Insurance agency?

all that site showed was how to figure out your insurance thier where no stastics what so ever. and you comment of being treated equally. Thats like telling somone your being treated equally with your race

 

[37g joe]

A horrible Driver at age 40 who had a bad driving record can pay less than a 20 that has a perfect driving record due to the fact that the 40 year old happens to be in the same demographic as the people who make these rates. This is what is really going on it is in thier own personal interests to do this they benifit by charging others more so they can pay less and thier demographic can pay less

 

[jds31788]

whoa whao lets not get started on racial issues.. like 37g said ealier"one battle at a time".. and besides something is being done about the segragation. the new generation has different standards along with new laws and policies that will help cut down on racial, religious, or other discriminations. On the other hand, large public action has yet to take place regarding this current topic of car insurance gender inequality. It took a large group to influence the younger generations againts segragation and it will take a similar force and/or power of numbers to make a difference when it comes to the insurance corporations.
have a good day

 

[37g joe]

1JOURNEYMAN I have a yes or no question do you think that the Insurance companies could do the same practices if they charged women more for insurance then men if the stastics showed that women where more likely to get tickets and in accidents?

 

[37g joe]

here is a good example for you all to think about say we have 20 workers that work for a shipping company 10 men 10 women 8 out of the ten men can move 100 boxes an hour 2 out of the 10 women can move 100 boxes in a hour. shoulld the 2 women be payed less just because of thier demographic no all should recieve the same amount of pay as long as each is working hard.

 

[1journeyman]

Originally Posted by 37g Joe
1JOURNEYMAN I have a yes or no question do you think that the Insurance companies could do the same practices if they charged women more for insurance then men if the stastics showed that women where more likely to get tickets and in accidents?
Yes...
Here's why.. and what a few of you all seem to be overlooking..
Each STATE has a Board of Insurance. Each STATE "regulates" Insurance companies. In order for a "Standard" insurance company to make any "rate" revisions it has to be within so many "points" of what the state deems acceptable. Every so many years (not sure what the average is here, but it varies state to state) the state sets the "point".
If a company doesn't like the "point" then they quit writing insurance in the state.

 

[1journeyman]

Originally Posted by 37g Joe
A horrible Driver at age 40 who had a bad driving record can pay less than a 20 that has a perfect driving record due to the fact that the 40 year old happens to be in the same demographic as the people who make these rates. This is what is really going on it is in thier own personal interests to do this they benifit by charging others more so they can pay less and thier demographic can pay less
False... if that is the case then the 20 year old needs to shop around.

 

[1journeyman]

Originally Posted by 37g Joe
all that site showed was how to figure out your insurance thier where no stastics what so ever. and you comment of being treated equally. Thats like telling somone your being treated equally with your race
You asked for a link that showed companies frequently did rate revisions...

 

[1journeyman]

Originally Posted by Michelle L
In Illinois, we don't have a choice. Insurance is mandatory and required by law.
Not sure, but I suspect your state ONLY requires LIABILTY insurance, and only IF you have a car...
Owning a car is a priviledge; Therefore, insurance on the car is also a priviledge.
Again... your state offers insurance; if you don't like what you are paying now through private companies..
If you were to successfully lobby for rates on 16-21 to be the same as older drivers your rates would not go down. The insurance companies would either 1. Quit covering everyone in your state, or 2. Raise everyone's rates to what you are now paying.

 

[37g joe]

Originally Posted by 1journeyman
Not sure, but I suspect your state ONLY requires LIABILTY insurance, and only IF you have a car...
Owning a car is a priviledge; Therefore, insurance on the car is also a priviledge.
Again... your state offers insurance; if you don't like what you are paying now through private companies..
If you were to successfully lobby for rates on 16-21 to be the same as older drivers your rates would not go down. The insurance companies would either 1. Quit covering everyone in your state, or 2. Raise everyone's rates to what you are now paying.
In my state any insurance company can not deny coverage they can charge you alot but they have to give you insurance because insurance is required. and all the quotes I gave you where just on liability if I had done any more insurance I would of paid alot more. In my state if you take a loan out for a car that is more than $1500 you have to pay full coverage. I have heard of friends who have 3000 dolar toyata corallas early 90's and they had perfect driving records and they where paying over 200 a month. I have heard of friends paying well over 300 a month for a new car and let me tell you these peopl looked for the cheapest rate.
its a privlidge to own a house you can rent if you want too.
Our Nation was founded by unfair price gouging (tea wa a privlidge and all the other comonties that had high taxes). Our founding fathers fought for the right not to be subjected to unfair pricing that is how this nation was founded. the english had the same argument tea is a luxary people did not need tea to survive. casrs are more of a nessecety then tea

 

[1journeyman]

http://www-nrd.nhtsa.dot.gov/pdf/nrd...003/809774.pdf
A quick google search found this...
As you can see, males 15-20 are involved in many more accidents; Therefore, they cost the insurance company much more money. As a result, they should pay more...