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I have to say... I am not to this point yet, and I am still fine driving other's perfectly insured cars, and it will probably be like a solid decade in when I can even APPROACH Insurance, whoa, BUT... If there were *reasonable* rates of insurance, then I could see myself having it, if I could comfortably swing it.
I have heard this before from other uninsured drivers.
The problem is several fold:
1. "Reasonable" means very different things to different people.
2. Its the legislature that passes a Financial Responsibility Law that mandates minimum limits of coverage. In other words, their definition of "reasonable" is the one that counts.
3. Insurance rates that sound unreasonable really aren't when you take into the risk factors involved in insuring some drivers. For example, insuring a young 16-20 year old male drive is particularly risky when you analyze the percentage of serious accidents they are involved in.
All right. I re-ran it on myself. The rate increase to go from 25/65/15 to 100/300/100 was 15.59% more. So let's suppose you were paying an average rate (in Utah around $1200 a year) that would be $187.08 more per year or about $15.60 a month.
As for the previously-mentioned insured, he had some kind of financial difficulty that prevented him from having a checking account. He was always buying Green Dot cards and using those to pay for his insurance.
All right. I re-ran it on myself. The rate increase to go from 25/65/15 to 100/300/100 was 15.59% more. So let's suppose you were paying an average rate (in Utah around $1200 a year) that would be $187.08 more per year or about $15.60 a month.
As for the previously-mentioned insured, he had some kind of financial difficulty that prevented him from having a checking account. He was always buying Green Dot cards and using those to pay for his insurance.
I think I wondered if the difference was $20 a month. Apparently its about $15 a month. So, the difference between a minimum limits policy and a real insurance policy is only $180 a year. (I assume your an average risk or better).
There just isn't an excuse for most people not having good insurance.
Unfortunately, the ones most likely to need/use insurance are the ones most likely to get a high rate and the ones least likely to be able to afford it.
I have to say... I am not to this point yet, and I am still fine driving other's perfectly insured cars, and it will probably be like a solid decade in when I can even APPROACH Insurance, whoa, BUT... If there were *reasonable* rates of insurance, then I could see myself having it, if I could comfortably swing it.
I am going to pray and hope that I or others don't get into an accident with you, if this is your attitude, which is, frankly, irresponsible.
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