slapstick223 t1_iuhmjtv wrote on October 31, 2022 at 12:18 PM

Reply to comment by evantobin in Your insurance will most likely be going up by Grayjay000

The people who are causing the issues should be the ones paying additional into that pool. That's not fair to the people who don't file claims and get tickets

And here I was always under the assumption the older I got the cheaper insurance would get. Yet another thing I was lied too about

SlowMolassas1 t1_iuhu44r wrote on October 31, 2022 at 1:25 PM

>The people who are causing the issues should be the ones paying additional into that pool. That's not fair to the people who don't file claims and get tickets

So you're basically just trying to eliminate insurance entirely? I mean, that's how a non-insurance world works -- those who have an issue, pay. Those who have no issues, don't.

The point of insurance is to spread costs across a wider group -- so when you do get hit with something, you don't have to pay the full amount out of pocket.

And you realize, right, that not everyone who has an issue "caused" it -- it's not like they did a hail dance to call up a storm or something.

evantobin t1_iui3ntn wrote on October 31, 2022 at 2:36 PM

“Gotta take advantage of this low deductible, get me my rain stick and some ice”

AaronfromKY t1_iuhnea7 wrote on October 31, 2022 at 12:27 PM

They spread it out because having your car stolen or wrecked when it wasn't your fault already sucks enough. Also my insurance got a lot more reasonable in my 30s YMMV.

TathanOTS t1_iuhuhyy wrote on October 31, 2022 at 1:28 PM

It does get RELATIVELY cheaper but I'm sure no one actually told you insuarance would be less actual money ten years in the future.

You don't pay more because of other people. You pay more because the math the insuarance did is saying your probability of having an accident is going up.

That said in this instance it's mostly lazy people getting affected. In many cases related on this sub recently (and actually I haven't posted but in my case too) switching insuarance has not only negated the increase but often resulted in a lower premium than the old rate was before the increase. YMMV.

dust4ngel t1_iuis935 wrote on October 31, 2022 at 5:22 PM

> The people who are causing the issues should be the ones paying additional into that pool

get a handful of tickets doing 70 in a 40 and see if this is the case.

tr_9422 t1_iui1dpm wrote on October 31, 2022 at 2:20 PM

By that logic let’s just get rid of insurance entirely and the people whose cars get totaled can go buy a new car. My car’s not totaled, why should I be paying insurance premiums for the insurance company to replace theirs?

Literally the whole point of insurance is to take random risks like that and spread the cost to everyone regardless of who is personally affected.