Welcome to the Era of the $20k Family Car Insurance Bill(nytimes.com)
nytimes.com
Welcome to the Era of the $20k Family Car Insurance Bill
https://www.nytimes.com/2024/10/19/your-money/car-insurance-family-plan-cost.html
112 comments
What about male/female? Are young men more likely to cause damage than young women?
The National Highway Traffic Safety Administration has excellent data available on this and similar questions, start with Table 62: https://cdan.dot.gov/tsftables/tsfar.htm
Should ban males from driving if I'm reading this correctly.
"Driver Involvement Rates per 100,000 Licensed Drivers by Age Group, Sex, and Crash Severity", per the linked article.
The metric is useless in the first place, this is "per licensed drivers", not "per driver-miles".
It's a certainty that men drive more miles than women, primarily for job purposes. The NHTSA doesn't give enough data to determine this. My guess is that it's split almost exactly evenly per-mile, but who knows, without the data?
The metric is useless in the first place, this is "per licensed drivers", not "per driver-miles".
It's a certainty that men drive more miles than women, primarily for job purposes. The NHTSA doesn't give enough data to determine this. My guess is that it's split almost exactly evenly per-mile, but who knows, without the data?
I would wager (speculate) that if you account for miles driven that men would still cost a little bit more. Men seem to have a more impulsive nature on average. These days, the trick to being safe on the road is defensive driving. Minimize the number of risks and give extra padding to all actions to account for the potential of driver mistakes, including the mistakes of others.
There was less of a correlation than you'd think, almost none. But we also operate in states where it's illegal to discriminate on the basis of gender so it makes sense that this plays out in the data. So, important to note that we are gathering premium prices, which may not accurately reflect risk for particular subgroups due to regulation. So whether or not teenage boys are riskier than teenage girls would require a different set of data.
Yes, young men are twice as likely to get in an accident than young women. On top of that young men are 7 times more likely to get in an accident that all men. Unsurprisingly the data does support higher insurance premiums for young drivers.
https://crashstats.nhtsa.dot.gov/Api/Public/Publication/8134...
https://crashstats.nhtsa.dot.gov/Api/Public/Publication/8134...
Distracted driving + expensive new cars = "crazy" premiums.
We all pay the price when new cars are priced in the upper 5-digit and 6-digit range and a fender-bender costs $5K - $10K.
We all pay the price when new cars are priced in the upper 5-digit and 6-digit range and a fender-bender costs $5K - $10K.
We also all pay the price when state insurance minimums don't keep up with replacement, repair, or medical costs.
- $25k bodily injury coverage might cover CT scans and a broken bone at best.
- $25k property damage coverage might cover replacement of the bottom 25% of vehicles sold the last 5 years.
- $25k bodily injury coverage might cover CT scans and a broken bone at best.
- $25k property damage coverage might cover replacement of the bottom 25% of vehicles sold the last 5 years.
Automakers charge what the be auto market can support. They can limit supply to keep prices high. Used car market is limited by new car market sales. Structural demographics means there are less workers every year (auto repair labor costs). Costs are unlikely to decline.
I think the used car market is suffering from a few things.
Some states implemented "extreme" used car sales taxes (Ga)
Cash for clunkers,zirp, caused a surge of new cars after 2008.
Cars produced after 1996 (OBD2) and 2003 (wideband, multi fuel), and 2008 (8 speed zf transmissions with full lockup - and dsg for sports cars) are incredibly reliable - especially with a 100k mile warranty and service packages.
Then you have the 2017 tax cuts, compounded with 2020 chips shortage.
Somewhere you also have ev incentives
Some states implemented "extreme" used car sales taxes (Ga)
Cash for clunkers,zirp, caused a surge of new cars after 2008.
Cars produced after 1996 (OBD2) and 2003 (wideband, multi fuel), and 2008 (8 speed zf transmissions with full lockup - and dsg for sports cars) are incredibly reliable - especially with a 100k mile warranty and service packages.
Then you have the 2017 tax cuts, compounded with 2020 chips shortage.
Somewhere you also have ev incentives
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> Structural demographics
Is that an euphemism for "refusing to pay a livable wage"?
Is that an euphemism for "refusing to pay a livable wage"?
Or it is a reference to everyone apparently needing to go to college etc, and there being a nationwide shortage of people entering into trades, mechanics, fabrication, machining, etc. All the “bad” jobs you should stay in school to avoid.
Turns out we live in a built environment, not everyone can sit in a cube.
Turns out we live in a built environment, not everyone can sit in a cube.
Maybe it means fewer people being born in car-producing and exporting countries.
It is wages accelerating to a living wage and past that because of the fertility rate curve. Similar to a bond curve, but expressing productivity available.
Used car market is limited by new car market sales.
I think the used car market might be crazy right now.
When COVID hit and everyone was clamoring for used cars because new cars couldn't be made/imported, I took my wife's low-end car to CarMax for an appraisal. It was a fair offer, but I didn't bite.
All these years, and 25,000 miles later, I brought the same car back to CarMax a couple of weeks ago, and the appraisal was almost double what they offered the first time. This time I let them have it.
I don't see a lot of talk about used car demand anymore, but based on my experience, I think it's still high.
I think the used car market might be crazy right now.
When COVID hit and everyone was clamoring for used cars because new cars couldn't be made/imported, I took my wife's low-end car to CarMax for an appraisal. It was a fair offer, but I didn't bite.
All these years, and 25,000 miles later, I brought the same car back to CarMax a couple of weeks ago, and the appraisal was almost double what they offered the first time. This time I let them have it.
I don't see a lot of talk about used car demand anymore, but based on my experience, I think it's still high.
Used car prices are dropping, but still very elevated from pre-pandemic: https://site.manheim.com/en/services/consulting/used-vehicle...
This article isn't very useful because it doesn't distinguish between liability and collision coverage.
It doesn't matter how young the driver is, if you put them in a cheap small used car, you only need liability coverage which is pretty cheap.
It doesn't matter how young the driver is, if you put them in a cheap small used car, you only need liability coverage which is pretty cheap.
That doesn't work in states where the insurance industry has successfully lobbied for laws requiring that all vehicles in a household be cross-insured for every driver in the household.
I've never heard of such a thing. Which states are those?
Geico's only stated recommendation is that anyone who uses the car more than once a month should be on the policy.
Geico's only stated recommendation is that anyone who uses the car more than once a month should be on the policy.
New Jersey.
If you have a child on your policy, and you have a collision on your policy, then your child will be required to be included in that policy. Insurance companies don't accept that you can live in a household, but won't be allowed to drive the new car, so they will charge you like the child is driving the new car under any circumstance.
My insurance company requires me to sign an affidavit affirming that my adult child will not drive a car insured by said company. If my adult child does drive my car and gets in a collision, the affidavit is used by the insurance company to absolve themselves of any financial responsibilities related to the collision.
I think it'd be reasonable aside from one obvious edge case: my adult child is blind and will never drive a car, yet I have to sign a new affidavit every time I renew my policy (every 6 months).
I think it'd be reasonable aside from one obvious edge case: my adult child is blind and will never drive a car, yet I have to sign a new affidavit every time I renew my policy (every 6 months).
Is it legal to put a young driver on their own insurance policy with a cheap small used car, while the rest of the family has a different policy with fancier cars and collision coverage?
That's how my family did it. You can even keep them all on the same plan, but you specify who the primary drivers for each vehicle when you set up each policy.
Well, the more expensive driving a car is, the better!
That being said, I'm pretty sure that liability insurance for a family is not USD 20K, unless your idea of 'family' is, well, pretty extensive?
Collision insurance? Sure, with EVs becoming more popular, that will only go up. But, yeah, omelettes, eggs, blah...
That being said, I'm pretty sure that liability insurance for a family is not USD 20K, unless your idea of 'family' is, well, pretty extensive?
Collision insurance? Sure, with EVs becoming more popular, that will only go up. But, yeah, omelettes, eggs, blah...
> Well, the more expensive driving a car is, the better!
What an astonishing statement.
What an astonishing statement.
Disincentives a suboptimal transportation option. Price signals are important, just like making it expensive to own property where the risk is too high. Automotive ownership and transportation is likely to never be as inexpensive as it previously was.
You will either need to pay the cost or live somewhere you don’t need a car.
You will either need to pay the cost or live somewhere you don’t need a car.
It doesn't really matter if you disincentivise it if there isn't an alternative, or the alternatives are even worse, as is currently the case in many parts of the US.
Does that not incentivize fixing the problem, which would be to build public transit and housing?
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I think the intention is that the disincentives will then create the opportunity for lower-cost transportation options, while simultaneously increasing advocacy in voters.
Personal vehicles are expensive, and historically that cost is hidden from consumers. People were "conned" into believing it was the most economical transportation available personally.
Personal vehicles are expensive, and historically that cost is hidden from consumers. People were "conned" into believing it was the most economical transportation available personally.
But the subject of OP primarily hurts families with multiple children, but even if it somehow did cause enough advocacy and lobbying, creating better public transit would take decades, at which point the parents would no longer be paying for insurance for their children.
The alternative is doing nothing and hurting people right now. The people who rely on public transportation most are poorer people. Something, eventually, has to be done because the path we're on is destructive. It's getting to the point where it's difficult to go just about anywhere. We're running out of space to put the roads.
Yeah, as one of the vast majority of Americans who live in a car-dependent area and aren't made of money, have fun trying to force that on everyone.
Also "suboptimal" is a matter of opinion.
Also "suboptimal" is a matter of opinion.
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Personal automobiles are suboptimal in every measurable metric aside from your subjective "but I like owning a car" opinion.
If you confiscated my car tomorrow, I literally couldn't get to work or buy groceries. That isn't an optimization, it's a hard reality.
Once you've built timely safe replacement infrastructure that can carry me from my home to my place of employment as fast or faster than my current commute, and take me to any of the shops I frequent, and do that for all of my neighbors, and do all of the above in a way that costs less than car ownership, we can talk.
Once you've built timely safe replacement infrastructure that can carry me from my home to my place of employment as fast or faster than my current commute, and take me to any of the shops I frequent, and do that for all of my neighbors, and do all of the above in a way that costs less than car ownership, we can talk.
It also needs to be able to do this _literally door to door_ and without having to sit next to, speak to, or touch anyone I don't know.
Cars are a privacy bubble and a shield, not just a transport mechanism; no form of mass transit will ever be an acceptable substitute in the way that, for me, is the most important factor.
Cars are a privacy bubble and a shield, not just a transport mechanism; no form of mass transit will ever be an acceptable substitute in the way that, for me, is the most important factor.
Part of existing in a society is the fact you will interact with other people. There are places - particularly rural - where this is not the case. Such places would probably never not be automobile-centric, as it makes no sense to run lines to low populous, sparce areas.
But if you live in an urban area, the "cost tradeoff" of having everything close is there's more likelihood to be around people. It's untenable to have the desire to have 10 grocery stores, 5 banks, 3 schools etc within 5 miles of you and also have no people interaction. Who runs those places? And who goes to them? The privacy cars provide is therefore mostly an illusion.
Also, I wouldn't describe an automobile as a shield, considering it's by far the thing most likely to kill you. It's a sword, if anything.
But if you live in an urban area, the "cost tradeoff" of having everything close is there's more likelihood to be around people. It's untenable to have the desire to have 10 grocery stores, 5 banks, 3 schools etc within 5 miles of you and also have no people interaction. Who runs those places? And who goes to them? The privacy cars provide is therefore mostly an illusion.
Also, I wouldn't describe an automobile as a shield, considering it's by far the thing most likely to kill you. It's a sword, if anything.
Hey, I'm the guy who is 100% against private car ownership, and I don't want to "confiscate your car" (I mean, what would I do with that?) or encourage anyone to do so (unless, of course, they're the bank and you're a delinquent, don't want to upset the apple cart too much...).
I want you to be able to reliably get transport to where-ever you need to go, an what-ever time you need to go there, without the need to keep a 1000-pound pile of junk in (semi-)public spaces at all times.
Where I live, that's pretty much a possibility already. I want everyone to have that same freedom!
I want you to be able to reliably get transport to where-ever you need to go, an what-ever time you need to go there, without the need to keep a 1000-pound pile of junk in (semi-)public spaces at all times.
Where I live, that's pretty much a possibility already. I want everyone to have that same freedom!
Are you proposing ridesharing? Self-driving hasn't been widely deployed yet.
... no? Are we so car-brained that the options are "my car" or "somebody else's car"?
"Transport to where-ever you need to go, an what-ever time you need to go there" has to functionally be pretty car-like. My question is how he wants to dispatch it on demand so it doesn't need to stay parked near us.
Buses and trams do that as well, or at least extremely close to it. If the next bus is in a minute, and it's going to the block you're going to, guess what - you can go where you want, whatever time you want.
This is the case in many areas. When I was in Romania, between buses, trams, and rail I could go wherever I wanted, whenever I wanted. There was always an option available, typically multiple overlapping options. Keep in mind this is a poor eastern European country.
Keep in mind it's also fast, like very fast. Going across the city was a 10-minute affair. Try driving across a big city like Dallas.
This is the case in many areas. When I was in Romania, between buses, trams, and rail I could go wherever I wanted, whenever I wanted. There was always an option available, typically multiple overlapping options. Keep in mind this is a poor eastern European country.
Keep in mind it's also fast, like very fast. Going across the city was a 10-minute affair. Try driving across a big city like Dallas.
From Fremont, CA, the Sunnyvale office is a 40-minute wait for a 16-minute bus to a 12-minute wait for a 14-minute train to a 14-minute wait for a 48-minute bus (making 34 stops). Google estimates I could get there in two and a half hours. Getting home after 11 PM is more like four hours.
It's only 22 miles. A replacement for a car should be able to do this in about 32 minutes. But it would have to go point-to-point on demand, they can't cover the spanning tree of n^2 possible trips with any reasonable frequency (mostly because n^2 taxpayers don't exist, nor housing for them).
It's only 22 miles. A replacement for a car should be able to do this in about 32 minutes. But it would have to go point-to-point on demand, they can't cover the spanning tree of n^2 possible trips with any reasonable frequency (mostly because n^2 taxpayers don't exist, nor housing for them).
Cars run point to point on demand, which is optimal. Any system that does not will waste huge chunks of riders' time.
Life being "optimal" does not make it worth living as if we're all cogs in a machine. Liberty makes life worth living, and liberty is very expensive.
Cars aren't a liberty, merely an illusion of it. Cars are the reason you can't go anywhere you want to go without paying for a hunk of steel and risking your life. True liberty would be being able to walk everywhere you need to go, but this is rare.
> risking your life.
Hence my point; liberty is expensive. Liberty includes the liberty to risk it. There's no illusion. Cars do not rule me. They're not binding, or addictive. They're a tool that physically extend my liberty to go where I please, and I can use them or leave them as I please.
Hence my point; liberty is expensive. Liberty includes the liberty to risk it. There's no illusion. Cars do not rule me. They're not binding, or addictive. They're a tool that physically extend my liberty to go where I please, and I can use them or leave them as I please.
> Cars do not rule me
They do, that's what you're missing. They're both binding and addictive, because we have to build our entire society to revolve around them. You've lost countless liberties, as have many Americans, due to the concessions around cars.
The reason your grocery store is 5 miles away is because of cars. The reason you can't have a job without a car is because of cars. The reason you don't have a right to reasonable noise is because of cars. The reason you don't have a right to not inhale tire fumes is because of cars.
Cars have taken away your ability to do a lot of things. And no, you cannot "leave them" as you please, you are required to keep one otherwise you will most likely not have a job. Go ahead, try this out. Get rid of your car for one year, without moving, and come back.
They do, that's what you're missing. They're both binding and addictive, because we have to build our entire society to revolve around them. You've lost countless liberties, as have many Americans, due to the concessions around cars.
The reason your grocery store is 5 miles away is because of cars. The reason you can't have a job without a car is because of cars. The reason you don't have a right to reasonable noise is because of cars. The reason you don't have a right to not inhale tire fumes is because of cars.
Cars have taken away your ability to do a lot of things. And no, you cannot "leave them" as you please, you are required to keep one otherwise you will most likely not have a job. Go ahead, try this out. Get rid of your car for one year, without moving, and come back.
> The reason your grocery store is 5 miles away is because of cars.
You're suggesting everyone just move to a city, or what? Because we can't just litter a grocery store every mile across the entire American continent. We know that cars are neither binding nor addictive because people regularly move to cities and sell their only car with little difficulty. The car increases my liberty, my choice to not live in a city. Have you ever actually lived outside of a city?
The way you're looking at it is upside-down. The car doesn't push opportunities away as if ridding ourselves of cars would magically make everything close, no, it increases my reach. We know this because of historical evidence. Before the car, going to town was an all-day affair in the horse drawn carriage. Now it's a 30 minute trip. Freeing up my day to do whatever else I choose to do.
Maybe you're suggesting that if we didn't have the car, there would be train tracks within walking distance everywhere? I love trains. Rather than trying to kill cars, why not attempt to build better rail infrastructure? Then I could join you.
You're suggesting everyone just move to a city, or what? Because we can't just litter a grocery store every mile across the entire American continent. We know that cars are neither binding nor addictive because people regularly move to cities and sell their only car with little difficulty. The car increases my liberty, my choice to not live in a city. Have you ever actually lived outside of a city?
The way you're looking at it is upside-down. The car doesn't push opportunities away as if ridding ourselves of cars would magically make everything close, no, it increases my reach. We know this because of historical evidence. Before the car, going to town was an all-day affair in the horse drawn carriage. Now it's a 30 minute trip. Freeing up my day to do whatever else I choose to do.
Maybe you're suggesting that if we didn't have the car, there would be train tracks within walking distance everywhere? I love trains. Rather than trying to kill cars, why not attempt to build better rail infrastructure? Then I could join you.
> We know that cars are neither binding nor addictive because people regularly move to cities and sell their only car with little difficulty
Little difficulty? Is this a joke or do we have different definitions of difficulty?
There're hardly any cities in the US with adequate transportation, number 1. I live in a city; you probably do to. You REQUIRE your car, as do 99.9999% of all cities in the US. Some don't, like NYC - but even there you're pushing it. It's not London.
> as if ridding ourselves of cars would magically make everything close
That's exactly what it does, because everything is far because of the car. It's urban sprawl. We don't have more "stuff", rather we waste the majority of our spaces on infrastructure for cars. Roads, parking, etc.
> Before the car, going to town was an all-day affair in the horse drawn carriage
That's just not true. People live in the town, that's why it's a town. Are you a farmer or something? No, you live in an urban area. You're IN the town, your town is just car centric and therefore it sucks ass to navigate.
> Rather than trying to kill cars, why not attempt to build better rail infrastructure
Sigh... okay:
1. Nobody on Earth is trying to kill cars, including me.
2. The reason rail is bad and isn't getting better is BECAUSE of cars and car-centric infrastructure. We spend hundreds of billions of dollars on car infrastructure. That's money not going to public transportation, despite being public funds. If we divert even a fraction of that money, we can have a huge impact. But there's blockers, people like you. In addition, to make rail effective you have to not waste miles and miles of space on urban sprawl. But people love their automobiles and 2 hour commutes.
Little difficulty? Is this a joke or do we have different definitions of difficulty?
There're hardly any cities in the US with adequate transportation, number 1. I live in a city; you probably do to. You REQUIRE your car, as do 99.9999% of all cities in the US. Some don't, like NYC - but even there you're pushing it. It's not London.
> as if ridding ourselves of cars would magically make everything close
That's exactly what it does, because everything is far because of the car. It's urban sprawl. We don't have more "stuff", rather we waste the majority of our spaces on infrastructure for cars. Roads, parking, etc.
> Before the car, going to town was an all-day affair in the horse drawn carriage
That's just not true. People live in the town, that's why it's a town. Are you a farmer or something? No, you live in an urban area. You're IN the town, your town is just car centric and therefore it sucks ass to navigate.
> Rather than trying to kill cars, why not attempt to build better rail infrastructure
Sigh... okay:
1. Nobody on Earth is trying to kill cars, including me.
2. The reason rail is bad and isn't getting better is BECAUSE of cars and car-centric infrastructure. We spend hundreds of billions of dollars on car infrastructure. That's money not going to public transportation, despite being public funds. If we divert even a fraction of that money, we can have a huge impact. But there's blockers, people like you. In addition, to make rail effective you have to not waste miles and miles of space on urban sprawl. But people love their automobiles and 2 hour commutes.
The proposed price signal is "the more expensive, the better". So forbidding car ownership, in other words. A deeply destructive point of view.
Deeply destructive, perhaps, but the norm in European countries. They prefer making driving expensive (be it via taxes, or import duties, etc).
The US is still far cheaper to drive in, by comparison.
The US is still far cheaper to drive in, by comparison.
There are European countries that forbid car ownership?
No one in this thread is advocating forbidding car ownership.
The original comment I responded to does, which is why I called it an astonishing statement.
Nah, not destructive, if I say so myself. More like: disruptive. Which should be a pretty popular concept around here?
To elaborate, maybe: I would fully support a robo-taxi scheme to ferry people to and from their job, shopping, or whatever. Where I live, shared e-vehicles are as good as it gets right now, but that's definitely a promising step already.
To elaborate, maybe: I would fully support a robo-taxi scheme to ferry people to and from their job, shopping, or whatever. Where I live, shared e-vehicles are as good as it gets right now, but that's definitely a promising step already.
> forbidding car ownership
No need to be dramatic here. First, it's not "forbidden," just expensive. And the cost reflects the level of risk. Insurance companies aren't charities, and the marketplace is competitive, at least.
No need to be dramatic here. First, it's not "forbidden," just expensive. And the cost reflects the level of risk. Insurance companies aren't charities, and the marketplace is competitive, at least.
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Buses and trains don’t run 24 hours a day. I paid a premium to live a walkable distance to most things I do. We drive so little that I fill my tank once every 2-3 MONTHS. But when my four month old has a fever in the middle of the night I absolutely need my car or I would have to call an ambulance. SMH
If my imaginary four-year-old has a fever in the middle of the night, I first phone the nurse-on-duty, and if they determine I need to go somewhere, I see if there's a nearby shared e-vehicle (and in the middle of the night, it will sure be), and use that. Or, like, call an Uber, which might be slightly faster, but for a fever, well...
And if the situation is truly urgent, they'll send an ambulance, which should take less than 15 minutes, and will offer the best care available in that time window anyway.
And I'm absolutely sure the situation is entirely different where you live, but isn't that the real problem then?
And if the situation is truly urgent, they'll send an ambulance, which should take less than 15 minutes, and will offer the best care available in that time window anyway.
And I'm absolutely sure the situation is entirely different where you live, but isn't that the real problem then?
You live someplace walkable that doesn't have Uber or a taxi service?
Since walkable areas are often near a hospital, it's probably faster than an ambulance.
Since walkable areas are often near a hospital, it's probably faster than an ambulance.
Driving is hideously inefficient. It should be the most expensive option, because taking a 2-ton machine with you everywhere you go should be considered a luxury.
Not everyone lives in cities, not everyone can afford to live in cities, not everyone lives in areas well connected by public transportation and not everyone can afford to live in areas well connected by public transportation.
> not everyone can afford to live in cities ... not everyone can afford to live in areas well connected by public transportation
Looking at it from a theoretical standpoint, physically co-locating living space allows for a number of significant cost efficiencies compared to spreading the same number of people over a larger geographic area. For much of history it was the wealthy who could afford to live outside the cities while the poor had no such choice.
My guess is that if suburban and rural residents actually paid the full cost of their roads and other infrastructure (and if zoning didn't prevent organic density from forming) that living in the suburbs (as I do) would become comparatively more expensive.
Looking at it from a theoretical standpoint, physically co-locating living space allows for a number of significant cost efficiencies compared to spreading the same number of people over a larger geographic area. For much of history it was the wealthy who could afford to live outside the cities while the poor had no such choice.
My guess is that if suburban and rural residents actually paid the full cost of their roads and other infrastructure (and if zoning didn't prevent organic density from forming) that living in the suburbs (as I do) would become comparatively more expensive.
But all of these were policy choices over the past decades. We very much could have invested in public transit and built housing, but instead we decided most humans should have a car to go about daily life. Which, if we're optimizing for sending money to car, oil, and healthcare companies, I guess is a good strategy.
The reason those are all so expensive is because the money is being burned on less efficient transport, i.e. cars. Transporting the same amount of people via car requires A LOT more money, due to the nature of motor vehicles.
Driving is in fact very efficient! It has increased to 100% the likelihood of me NOT accidentally sitting in a homeless person's piss!
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Why? I'm against private car ownership. Ask me all about it...
Making using a car more expensive doesn't disincentivize car ownership or usage when there is no other alternative. Like you can't rely on public transportation, biking, or ride shares to get to your job in most parts of this country. The rising costs of the past few years haven't reduced personal car usage as much as its made the lives of people near the bottom of the income scale much more stressful and expensive.
> you can't rely on public transportation, biking, or ride shares to get to your job in most parts of this country
Sounds like a problem we are all responsible for solving by voting for people who will address this problem.
Sounds like a problem we are all responsible for solving by voting for people who will address this problem.
No shit. And you're suggesting lots of financial pain for people who can't afford it in the name of your ideology.
All change from the status quo causes financial pain, usually for the people who can’t afford it.
The OP also didn’t suggest or implement the change, but only commented that they liked the results with regard to car ownership and use
The OP also didn’t suggest or implement the change, but only commented that they liked the results with regard to car ownership and use
Oh, so it wasn't to be taken seriously. Well that's good, because if taken seriously you'd be talking about taking food out of my children's mouths to pay for your fantasy transportation infrastructure that wouldn't pay for itself due to population density, likely be poorly implemented while restricting my freedom of movement, and I make enough that I could eat those costs better than most. I'm annoyed at the terminally-online "I just discovered NotJustBikes and I'm "radicalized"" nature of the idea but there are tens of millions of people for whom it would be an existential issue.
How about we eminent-domain wherever you live to build a train line? Oh that wouldn't be a problem for you? Congrats on being in the top 10% at least.
How about we eminent-domain wherever you live to build a train line? Oh that wouldn't be a problem for you? Congrats on being in the top 10% at least.
Having drivers pay their associated costs is not a fantasy transportation play. If driving becomes too expensive, then alternatives will be built, and that’s a good thing. No one is taking anything from your children.
>How about we eminent-domain wherever you live to build a train line? Oh that wouldn't be a problem for you? Congrats on being in the top 10% at least.
Nah, its not a problem because I'm fine contributing to society. If you need everything to stay exactly as it is or you think your life will fall apart, then I have no sympathy for you.
I do believe if we need to do something like eminent domain then people should be compensated and cases like Kelo v. City of New London were pretty disgusting, but I am not going to pretend that we cant change because people were inconvenienced
Nah, its not a problem because I'm fine contributing to society. If you need everything to stay exactly as it is or you think your life will fall apart, then I have no sympathy for you.
I do believe if we need to do something like eminent domain then people should be compensated and cases like Kelo v. City of New London were pretty disgusting, but I am not going to pretend that we cant change because people were inconvenienced
No, I'm not suggesting any kind of financial pain at all.
Do I support the ability of people to travel to their job, shopping centers, or any destination they like?
Absolutely!
Do I think a privately owned vehicle, which spends 90%+ of its active life being parked in spaces that could be utilized much better otherwise, is the best way to achieve those abilities?
Nope. Sorry.
Do I support the ability of people to travel to their job, shopping centers, or any destination they like?
Absolutely!
Do I think a privately owned vehicle, which spends 90%+ of its active life being parked in spaces that could be utilized much better otherwise, is the best way to achieve those abilities?
Nope. Sorry.
Oh, so you're in favor of playing Sim-City with the infinite money cheat codes.
Cool. Because if you were suggesting that in the real world then, at least in America, you're suggesting a complete overhaul of almost all transportation infrastructure and saying that no average person will have to spend an extra dollar to pay for it somehow. Is Mexico paying for it or something?
Cool. Because if you were suggesting that in the real world then, at least in America, you're suggesting a complete overhaul of almost all transportation infrastructure and saying that no average person will have to spend an extra dollar to pay for it somehow. Is Mexico paying for it or something?
I mean it's not like we don't spend $100B+ per year on infrastructure, much of it for roads and other car based transport methods [1]. We could instead invest it in subway and other public transit infrastructure, rather than on exceptionally inefficient, expensive, and environmentally costly modes of transport.
[1] https://usafacts.org/state-of-the-union/transportation-infra... -- note that rail expenditure isn't all public transport, the majority of US rail infrastructure is freight transport.
[1] https://usafacts.org/state-of-the-union/transportation-infra... -- note that rail expenditure isn't all public transport, the majority of US rail infrastructure is freight transport.
You're projecting harder than the average IMAX<tm> venue.
Even in many parts of America (which are not that different from many parts of, say, France, which I'm very familiar with, thankyouverymuch), private car ownership is not an absolute requirement.
Can people there get around with Public Transport<tm>? Nope. Do they require their Own Private Sardine Can At All Times<tm>? No, not necessarily either.
And I'm firmly in the "No Sardine Cans Ever!" camp, and I have solutions. If you're somewhere else, that's fine with me, but you're not so convincing as you might feel...
Even in many parts of America (which are not that different from many parts of, say, France, which I'm very familiar with, thankyouverymuch), private car ownership is not an absolute requirement.
Can people there get around with Public Transport<tm>? Nope. Do they require their Own Private Sardine Can At All Times<tm>? No, not necessarily either.
And I'm firmly in the "No Sardine Cans Ever!" camp, and I have solutions. If you're somewhere else, that's fine with me, but you're not so convincing as you might feel...
You have no solutions, you have fantasies about turning America into a false vision of France apparently.
I've been to France as well, outside of major cities. Perhaps not as well traveled as you, but I remember seeing plenty of private cars in driveways and on roads as we passed by various dwellings. I doubt they'd take kindly to your suggestion either. Weren't there riots over the price of gasoline not that long ago?
Whatever, be a flat-earther of transportation policy if you wish. You clearly aren't serious.
I've been to France as well, outside of major cities. Perhaps not as well traveled as you, but I remember seeing plenty of private cars in driveways and on roads as we passed by various dwellings. I doubt they'd take kindly to your suggestion either. Weren't there riots over the price of gasoline not that long ago?
Whatever, be a flat-earther of transportation policy if you wish. You clearly aren't serious.
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Sounds terrible, why would you be against that?
'cause privately-owned cars are a significant contributor to mortality, and take up, like, 99% more space than is warranted?
I mean, everyone (well mostly everyone) is absolutely mortified by commercial aviation, which, like, commits literally 0.01% of those sins on a global scale?
I mean, everyone (well mostly everyone) is absolutely mortified by commercial aviation, which, like, commits literally 0.01% of those sins on a global scale?
I don’t agree with you on aviation, but on the car front you should also consider that they are an underutilized asset that sits idle for the vast majority of their existence.
If you think mostly everyone is absolutely mortified by commercial aviation, I think you must be in some sort of bubble. Nothing could be further from the truth.
"Mortified" means "extremely embarrassed". You seem to mean "terrified".
Be kind. Don't be snarky. Converse curiously; don't cross-examine. Edit out swipes.
Comments should get more thoughtful and substantive, not less, as a topic gets more divisive.
Comments should get more thoughtful and substantive, not less, as a topic gets more divisive.
The family has 6 drivers and 6 vehicles, they live in california, and don't have the best driving record. That's $278 per person per month, so really not that outrageous
I keep reading about ridiculous insurance prices the last few years, but it seemingly never affects me. Do most people tend to get lots of moving violations and in accidents or something?
I have two vehicles, mid range limits, one brand new with full coverage, and one a bit older with liability, and for two drivers the bill is around $1200 a year.
I know kids of course get a higher rate, but even so, $20k seems a bit out there unless you have a dodgy record.
I have two vehicles, mid range limits, one brand new with full coverage, and one a bit older with liability, and for two drivers the bill is around $1200 a year.
I know kids of course get a higher rate, but even so, $20k seems a bit out there unless you have a dodgy record.
That's because no single person is paying 20k in insurance for a car. The 20k quote covers 6 cars driven by 6 people with a dodgy record.
> Leah Carter, a mother of four in Merrick, N.Y., sent me 60 pages of documents that she and her family were trying to make sense of after their annual premium with Travelers Insurance roughly doubled in the space of a year or so, to more than $21,000.
> They added a fourth child and a sixth car to their Travelers policy this year. None of the vehicles are fancy. There had been a few moving violations, including at least one that was her husband’s responsibility.
> Leah Carter, a mother of four in Merrick, N.Y., sent me 60 pages of documents that she and her family were trying to make sense of after their annual premium with Travelers Insurance roughly doubled in the space of a year or so, to more than $21,000.
> They added a fourth child and a sixth car to their Travelers policy this year. None of the vehicles are fancy. There had been a few moving violations, including at least one that was her husband’s responsibility.
I have the same bill as yours, $1200 per year, for two adult drivers. The $20k is for four kids, which is believable, since $5000 for a young driver is reasonable.
I guess I didn't realize insurance for kids was now that expensive. That's insane! I have a few years til mine is able to drive, that's going to be a fun conversation...
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That doesn't seem an absurd price for owning six cars?
I have two vehicles, my girlfriend has another one, and despite living in one of the higher insurance premium areas in one of the highest insurance premium states in the country (Oakland County, Michigan), our total bill with full coverage and relatively low deductibles is around $7k/yr. A family with 4 cars total (two driving age kids, two parents with cars to drive to different jobs) should not be massively more expensive, likely only $3~4k more than my bill, making it about half of the headline number. To do worse than that, you'd have to live in the worst part of inner city Detroit with the highest insurance rates and have full coverage or massively more expensive vehicles... I don't think the math checks out, really.
I do know people who have very very high bills, but they have one of 1) very high end cars (911 GT3 RS, Bentley, etc.) 2) something rare insured at full value of its rare nature or 3) actively stating to the insurer that it's a track car being raced on the weekends. All of those happen around me, but those aren't the modal case.
I do know people who have very very high bills, but they have one of 1) very high end cars (911 GT3 RS, Bentley, etc.) 2) something rare insured at full value of its rare nature or 3) actively stating to the insurer that it's a track car being raced on the weekends. All of those happen around me, but those aren't the modal case.
wow $7k/yr for 2 cars. That's crazy expensive
More and more, I feel like insurance has become a scam. The original idea was that of pooling risk. Now, it's as much of a daylight robbery as it can get. Premiums have shot up up. You can only make a claim at most once in your lifetime. Once past that, forget getting insurance anymore (at a reasonable premium, that is). Insurance is practically a zero-loss business [citation needed].
My parents transferred an old car to my older brother and insured me and him on it and signed something saying we were not permitted to drive the other cars.
Not sure if that is permitted/possible everywhere, but the problem is if the parents drive nice cars the insurer presumes the kids will also drive them (and crash them).
Not sure if that is permitted/possible everywhere, but the problem is if the parents drive nice cars the insurer presumes the kids will also drive them (and crash them).
These aren't quite the last gasps, but the end is definitely in sight for the car insurance industry. Self-driving cars are an extinction level event for car insurance. $20K would buy a lot of Waymo rides.
Wonder if they had any claims. As well those reasonably can affect the rates. Which could explain things specially with 6 cars... And what does fancy mean?
"Have several children, a driveway full of cars, and a few moving violations..."
Yeah, that's kind of an edge case, there.
Yeah, that's kind of an edge case, there.
Multiple recent moving violations is a red flag. There's probably a better story here, such as "my insurance company is prevented from or unable to cancel my policy, where I would normally end up on expensive state subsidized insurance which is probably less expensive than $20k".
Cars are quite simply not a good basis for a societal transportation system, and this is yet another condemning data point.
You can order quite a few Ubers or zip car rentals for 20k.
We gathered a ton of quotes, and yea there are crazy prices at the end of the tail (see: https://www.coveragecat.com/cheapest-car-insurance/texas#quo...) but otherwise the distribution skews to the left. When we trained a simple model on that data (https://www.coveragecat.com/calculator/carrier-comparison) it was pretty obvious that age is the primary variable in premium. You can fiddle with the variables and see what changes, spoiler alert, age has the highest correlation with premium.
Anyone who has met a teenager in 2024 would not be surprised by this.