this post was submitted on 18 Jan 2025
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[–] [email protected] 14 points 1 month ago (2 children)

Are they hell. Has anyone, ever, known their insurance premium to go down? It’s a racket. If they 20 limits are cutting costs, that cost is being turned into further profit, not savings for the customer

[–] [email protected] 9 points 1 month ago

Of course not, at least not here in the states. My premium went up $60/year and their reasoning was that due to an increased number of accidents and claims across the board, everyone's goes up, despite the fact the I haven't had an accident or even a claim in almost 20 years.

[–] [email protected] 6 points 1 month ago (2 children)

Mine has actually gone down a couple of times with two different car insurance companies. Though my insurance has never been on the hook for a claim from me either.

[–] sanguinepar 5 points 1 month ago

Yeah, ours went down this year too. Which was nice.

[–] [email protected] 3 points 1 month ago

I’m in my 40s, work a low-risk job, live in a low-risk area, have 12+ years no claims, a clean license. Ignoring the points at which everyone’s insurance gets cheaper as they age, my premiums has gone up constantly. Coincidentally, so have insurance underwriter’s profits. I definitely could have got cheaper insurance if I’d have compromised on cover, or gone with a worse-rated provider, but that’s not my point. The base cost of insurance is set by the underwriters, and that has increased year on year for just about everyone

[–] AdamEatsAss 4 points 1 month ago (1 children)

But what if I only have one hour to live and my family is 25 miles away? -s

[–] [email protected] 2 points 1 month ago

But a helicopter and hire a pilot.

If you not Musk. A circus cannon.

But you really should not be driving on that health state.

[–] [email protected] 2 points 1 month ago

Cool but why are country roads still 60?!