It depends from country to country.

In germany those groups who produce more accidents getting higher interests.
In germany most people below 30 years of age but also car dependent.
My car is rather cheap, i pay €260 per year.

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With each crime and every kindness we birth our future.

$16.33 a month for 5 months for uninsured motorist coverage(this is what is required by the State of California, and is what I can afford), thru National General Insurance, at the beginning of every 6 month period the amount is $16.35.
I'm told I have the lowest amount in CA, and that My NGI rate can't be beat.
This is on My 1999 Ford Escort zx2 Sport Hot Coupe.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Vic, someone is mis-informing you.
Here are California's Minimum Liability Insurance Requirements for Private Passenger Vehicles (California Insurance Code §11580.1b)?

$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Liability insurance compensates a person other than the policy holder for personal injury or property damage.

Per the DMV's site

I pay $147 a month but have have 100, 500, 100 plus comprehensive, and uninsured.

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I wasn't referring to the coverage, only for what I pay per month, which is true.
I don't have full coverage, I can't afford that.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

I pay monthly; but, comes out to $720 a year.

Policy has a $1Mil Umbrella, (thanks to living under dad's roof), Multi-Car Discount, and other discounts...

Just got to lower my Deductibles. Now at $0 Comp and $100 Collision on my 2009 Civic Hybrid. Full Coverage including rental if the car is disabled. $50/Day Rental Coverage for 30 Days of Rental. No Roadside Assistance, though; as I have that through GM Motor Club.

Monthly charges fluctuate, but stay below $61 a month. Charges are based on my reported driving habits. I report mileage every 6 Months. Currently driving less than 3,300 Miles a year.

Not bad for a 2009 Civic Hybrid.

Back in 1984, I paid $800 a year on a 1973 Mercury Cougar XR-7 with 351-Cleveland V8, and FMX Automatic Trans. This policy was $300K/$500K and Deductibles were $250 Comp and $500 Coll.

Both of these policies were drawn on State Farm. So, MUCH better coverage on the 2009 Civic Hybrid than on the 73 Cougar XR-7; and cheaper now than it was back in '84. Adjusting for inflation and keeping a 16 yr old male at the wheel, driving an '89 Honda Accord LX-i; back in 2005 the $300K/$500K Policy would have been $1,600.00 a year... (I had to check this for my then step-son.) I don't know what the $300K/$500K Policy would be today for a 16 yr old male... I don't think I want to know.

I'm VERY thankful that due to a clean record, and driving very little, that I'm able to get the coverage I have for approx $60 a month. I refuse to have a policy that is NOT Full Coverage. I don't trust the younger drivers out there. As mentioned, the texting while driving, drinking or drugged driving, distracted driving... Can't tell you how many times I've had some teen/college aged kid try to change lanes right into the side of my car(s)... Happened multiple times in the Accord LX-i, and in the Hybrid.

Should something happen, I WILL go through MY Insurance and let them go after the other guy/gal/insurance co. My time is worth more than the hassle of negotiating with the other person or person's insurance... On fault of the other person; the only thing I'd have to do is recover my deductible from the other party by having my insurance take care of my vehicle. Plus, I'm better guaranteed to get the repairs done right, at the shop of my choosing by going through my insurance. I've done this before, and like I said, I prefer doing things this way to ensure my vehicle is taken care of right, the first time, and that my insurance will back those repairs for life. Much better than hassling with the other guy...


TL

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TimeLord04
Have TARDIS, will travel...
Come along K-9!
Join Calm Chaos

Good points.

Also, by paying monthly there are hidden costs to the tune of 16-23%, which is why it's better to pay a one off fee wherever possible.

What scares me is the number of vehicles that are "on the roads" while uninsured. Last year on UK insurer published a list of the worst places to be Uninsured vehicle hotspots

(I live on the boarder between East and West Midlands, so between 1 in 30 and one in 40 of the cars I see every day are probably uninsured - not good.)

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Bob Smith
Member of Seti PIPPS (Pluto is a Planet Protest Society)
Somewhere in the (un)known Universe?

Good points.

Also, by paying monthly there are hidden costs to the tune of 16-23%, which is why it's better to pay a one off fee wherever possible.

Actually, the ONLY fee I pay for by paying monthly is a $1 fee/Mo. So, $12 a year which is included in the $720 Total... No hidden costs here.

...And, by Full Coverage; I mean "Uninsured Motorist" and "Uninsured Motorist Property Damages" are in my Policy as well... That's why I insist on going through my Insurer if something happens. :-)


TL

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TimeLord04
Have TARDIS, will travel...
Come along K-9!
Join Calm Chaos

Just as kids don't learn how to sign their name anymore, there will come a day when kids don't learn how to drive. It will be interesting to see how driverless cars are deployed and how insurance companies adapt.

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The mind is a weird and mysterious place

What scares me is the number of vehicles that are "on the roads" while uninsured. Last year onr UK insurer published a list of the worst places to be Uninsured vehicle hotspots

Sorry, but that's a really badly written article.

Of the 17 references to 'uninsured' in the author's text (excluding tables, captions, and comments), 7 refer to 'drivers' and 7 to 'vehicles' (plus two motorists and an owner). So what are we talking about, really?

ANPR will tell you that someone, somewhere, has taken out insurance for a vehicle with that registration (license) number. Doesn't say the same person is driving it today, or - if the plates have been cloned - that it's even the same vehicle.

Or, to make an obvious case: I own a car, and fully insure it. It's test certificate is up-to-date, so I get three green lights. But consider what happens if my car is stolen, and the thief runs over and injures a pedestrian while driving away - or crashes into another car. Are those 'insured' or 'uninsured' accidents (assuming the thief doesn't carry their own 'third party, all vehicle' policy)? Even after re-reading my own insurance document, I'm still not sure. The wording is

As a result of any accident involving your car or any other vehicle your certificate of motor insurance allows you to drive, we'll pay all sums you are legally responsible for... [to other people, re death, injury, property]

Then there are sections clearly about me driving other cars, and other people permitted to drive my car.

My suspicion is that the driver of a stolen car is automatically uninsured, and that there are significantly more 'uninsured driver incidents' than uninsured vehicles,

But then of course at that young age they don't have the emotional maturity to handle a vehicle responsibly, which is why that age group have many more accidents than others, and which is reflected in the insurance premiums.

That grouping includes both you & I. Like everything else, maturity comes with experience.

My suspicion is that the driver of a stolen car is automatically uninsured

That's a bit obvious if you're driving a stolen car you will be up in front of the majestrates for TWOKing , Taking Without Owners Conset . Course you in't going to be coverd by any insurance policy .

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Life is what you make of it :-)

When i'm good i'm very good , but when i'm bad i'm shi#eloads better ;-) In't I " buttercups " p.m.s.l at authoritie !!;-)

There is a reason the State of California has such minimum car insurance requirements, some just barely support mandatory car insurance, some don't at all, I think it has to do somewhat with income levels, among other reasons, if there was public mass rail transit(a streetcar), I'd probably use that a lot, but there isn't, so I drive a car, I try not to drive a lot, though driving to the Post Office to get My mail is unavoidable, since Mail is not delivered to any street address here.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Driverless cars, if and when they ever catch on, which I personally have sincere doubts about, will be likely taxicab type vehicles. I doubt any will be privately owned. Sci Fi stories have people in the 25th Century calling transport and simply putting their ID card in a slot and saying home, office, or postcode, and sitting back and letting the vehicle do the work.

It'll start off as taxis, but I think it's going to have to be rolled out to everyone pretty quickly. ~Kind of all or nothing technology, imo. I don't think it would work as effectively with some human driven vehicles still peddling about out there. Theoretically, the number of accidents should be significantly reduced, but there will still be some. How will liability will assessed? Will Buck Rogers have to carry insurance? Will people own these auto robots, or will cars become part of a government program?

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The mind is a weird and mysterious place

if there was public mass rail transit(a streetcar), I'd probably use that a lot, but there isn't, so I drive a car,

Very recently Angela took a lot of trouble to prove to you that there were many free social transport schemes in your neighbourhood to go to the hospital, doctors, supermarket. You weren't interested because you saw your own car as a symbol of your independence. What has changed?

The conversation was about Uber, which is decidedly, not free, yeah it's in the area, supposedly, I have problems with Uber, and with Lyft, I drive a coupe, and to them it's not only too small, but too old too, and the front end is now brand new I'm told. Nothing except the air out here is free. I live almost in the middle of nowhere, if it wasn't for the nearby fwy and military bases, this area would be as dead, as a door nail.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

You weren't interested because you saw your own car as a symbol of your independence.

As your questioning someone on their choices, the same can be asked of you!

London has a substantial road & rail transport system which is of benefit especially to retired people - SO why the need for 2 cars?

Driver less cars are closer than you think. I attended a Caltrans sponsored workshop about the topic in November of last year. CalTrans is the California Department of Transportation. They build and maintain our roads, bridges and a bunch of other infrastructure.
As an environmental consultant I am now expect to include driver less cars and truck as an environmental impact. This impacts traffic calculations, emissions, air quality, growth, and environmental justice. Caltrans is expecting driver less trucks to be the first full transition. The projection is for 5% in in 3 years, 20% in 5, 50% in 20. They don't have car projects yet. But remember there are cars now that self park, self stop, self follow (advanced cruise control) and to a limited extent self steer (lane assist).

Oh and we are working on increasing light rail and high speed rail. Here is the planned network that I am working on.

Victor you are not being left out.

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And no stop in Barstow, so My driving would not be altered measurably, and the Yermo Travel Center is getting closer to being complete.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Another way that some groups of drivers use is to have tracker devices fitted. These can be as simple as recording the maximum speed and time of day, right up to full journey and occupancy tracking for passenger cars, or payload for goods vehicles, and can include monitoring of driving controls (talk about spy-in-the-cab).

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Bob Smith
Member of Seti PIPPS (Pluto is a Planet Protest Society)
Somewhere in the (un)known Universe?

One of the biggest problems in the UK is "White Van Man". If Amazon ever gets it's drone delivery service operating and driverless vans come along then perhaps we might see the beginning of the end of that phenomenon. But I'm not holding my breath.

Wow, Amazon getting that good enough...

... White Van Man