Insurance......Again

[blitzburgh]

Phoenix and its 117 degrees, that's a whole lot of NO for me.

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[Chameleon]

Phoenix and its 117 degrees, that's a whole lot of NO for me.

With ya on that. :lol:

 

[Shouldhavegotthegt]

With ya on that. :lol:

That's only like a month out of the year. Definitely 105+ from July-end of Aug. I'll tee off at 3 after wrk in the summer. Doesn't bother me at all. If it gets below 60 you won't see me outside.

 

[CommyO]

Yep...My car, plus renters insurance 89.00 a month USAA.
Rent 2600.00 :eyebulge:
SOCAL is $$$$$

Is that a high end area?

 

[blitzburgh]

San Diego as a whole is really expensive. I live in a decent area but its not
high end, no.

 

[ronnieb1958]

If you don't give a sh*t about your credit or your payments you probably don't care about much else either. It shows a level of responsibility. Insurance companies are on the hook for tens of thousands if not hundreds of thousands of dollars depending on your policy, why wouldn't they use every factor available to determine your risk. Higher risk equals higher premiums and vise versa.

I don't necessarily agree with it but I see why they do it.

A credit score is only an indicator of ones financial health AT A PARTICULAR TIME. It is a poor evaluation of "responsibility" because it doesn't take into account hardship/or emergency situations such as health reversals, loss of job or the multitude of examples of sudden fiscal catastrophe that are impossible to anticipate.

 

[revtime]

Charging higher rates to people who can not afford it is the exact opposite of common sense.

The government mandating insurance and then not regulating it or not mandating flat rate premiums across the board is highway robbery.

I am charged more for where I live? BS. I am charged more because morons crash the kind of car I choose to drive more often? Double BS.

Just paid my insurance premium. Yeah I'm a little chuffed.

 

[spectremotorsports]

I am charged more for where I live? BS. I am charged more because morons crash the kind of car I choose to drive more often? Double BS.

As someone who works with insurance companies this logic blows my mind. Yes you're being charged more for other people, that is quite literally the definition of insurance. You aren't just paying for yourself, if you'd like to be you certainly have the option to self insure. You as a person are a factor in your policy, but you are not the ONLY factor.

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