[22for22]

Back when I was working in car industry I use to follow these numbers pretty close - not so much now. The CPI car insurance series has some problems (my rates have hardly gone up at all - yes, low crime area and slow old driver.)

[lightman]

Last year I switched to Eire: Rates guaranteed not to increase so long as I: 1) own that particular vehicle; 2) live at my current address, and 3) do not add any drivers.

Eire’s coverage is pretty much limited to the US NE and some midwestern states.

[Alberta's Child]

I work professionally in a field where traffic safety is a big focus of our work.

The biggest shortcoming of this article is that it doesn’t even mention the factor that might be the biggest contributor to rising auto insurance rates other than escalating auto repair/replacement costs: the widespread legalization of marijuana and other narcotics.

[God luvs America]

Nope...

1- the insured are paying for those who are uninsured which is rampant in blue cities

2- illegals have driven up the cost of auto insurance. many of them are unable to purchase or register cars so they do so with a friend, usually in another state that is able to insure and register cars. Here in NY there are huge numbers of cars with Connecticut plates that are parked on the streets, in driveways, etc.

3- theft of cars and the cutting out of catalytic converters is another huge problem- in blue states. Nothing happens to the thugs that do it and the insurance companies pay

4- and the obvious- insurance companies are leaving certain states, mostly blue states, because they are sick and tired of paying out millions while nothing is done to curb crime which causes claims. Like people in Florida have a tough time getting home insurance, blues states are seeing the same with auto insurance

[Old Yeller]

According to the Allstate commercial, crackas are the only ones driving crazy. The black dude is driving real careful so he can get the safe driver discount. He’s so smart and responsible.

[grame]

Ours has gone up three months in a row. 11-20 bucks each time. I should say Had gone up. Hubs did some checking and found a new policy at half the price. Now we’re waiting to see what they do to our homeowners. We’ve been with the same company more than 30 years. But does having the same company for car and home make that much difference?

[Recompennation]

It’s ...... tha,
“You’re covered Kevin” as the co mercial ad said.
Another desert gift fallout
providsionering accomodationeerig by the ensurence companies, socialism.

[bert]

With the lowest cost pickup truck listed for $53,000 insurance has to go up. Reports are that even strip down no frills fleet pickup list for $43,000

The reasons put forward may be the cause of insurance rate escalation but the desire for vehicles to come with tons of bells and whistles is the reality.

[grobdriver]

So in an article about rising insurance costs, they just have to work this irrelevancy in:

one that leaves Black drivers susceptible to racial biases

[tomkat]

Wetback Invaders

[nicollo]

“Since Covid, we saw this incredible increase in distracted driving,” says Ryan McMahon, senior vice president of strategy for Cambridge Mobile Telematics. “You could almost track it by the day schools started to shut down.”

Key word "almost."

Auto accidents and fatalities have been rising since 2014 as a result of coordinated leftist and governmental attacks against law and order, amplified after St. George's martyrdom in 2020, which Mr. McMahon from the quotation above, deliberately avoids.

Under Biden, NHTSA has quit general reporting of traffic fatalities by race, although the granular data is still there. See for example, Early Estimate of Motor Vehicle Traffic Fatalities For the First Half (January–June) of 2023, which has nothing on race, although black auto deaths were up significantly from the prior year. From what I have reviewed, from 2020 black traffic fatalities were up 50% over 2015 totals compared with an increase of 11% for whites and 11% overall. 2020 fatalities were up from 2019 by 23% for blacks and 3.7% for whites. It wasn't the shutdown.

Anecdotally, I distinctly recall a conversation with an insurance rep in March of 2020, when I called in to report that my wife's car was no longer being used for commuting. I asked the agent if she was enjoying a slow-down in business, and she laughed at me, saying, "It's never been busier: people are driving crazy."

The shutdown certainly impacted driver behavior, but the underlying cause of your higher insurance premiums is anti-police hysteria and victim privilege mentality.

[dfwgator]

All part of the plan to make personal transportation unaffordable.

[mewzilla]

Not all of us are driving dangerously.

But we’re being made to pay for those who do...

[AUTiger83]

This article misses the point. The government, through excessive regulation and social engineering, is driving up the cost of car ownership. The purpose is to force us all onto public transportation and into cities.

According to Google (yeh, I know): "The average light vehicle on US roads is a record-breaking 12.5 years old according to a study by S&P Global Mobility. This marks the sixth consecutive year that the average vehicle age in the US has risen."

[CodeToad]

Illegal aliens. The number of accidents with uninsured illegals has skyrocketed as well.

I know far more people in uninsured illegal aliens than ones in accidents with insured drivers.

[Pollard]

Cars have also become more technologically advanced, making car repair more expensive.

Think of a car made in 2004 versus a car made in 2024. If the two crashed, the car from 2024 would probably be more expensive to fix because it’s more likely to have advanced technology like backup cameras and lane sensors.

So that's why my 2001 Chevy truck + 2005 Ford Focus insurance went up $60 this year?

[central_va]

MILLIONS of “newcomer” illegals driving around without insurance wouldn’t have anything to do with it?

[ealgeone]

One thing most are missing: insurance companies cut their auto premiums during the pandemic.

Now that folks are driving again those premiums have been recouped.

Throw inflation on top of that and car repairs are more expensive.

[TexasFreeper2009]

The price of cars is more expensive and thus the insurance needed to cover them is more expensive. You can’t even buy a two door truck anymore, everything is luxury now.

Additionally, cars are made to break now on purpose to save the passengers, what would have been minor fender benders in the past total cars today because of designed crumple zones.

And lastly, electric cars are FAR more expensive to repair in an accident and thus total more easily.

Combine all the above with higher costs for parts and labor = higher insurance.

Thank a Democrat if you see them!

[TalBlack]

Phones!!! Last weekend I drove from Sayville Long Island to westbury on the parkways. Going I saw a three car chainreaction, returning a half hour later I saw another one. It is now common to see there, four, five car or more accidents. Get used to it. No one is learning anything from this. Drive defensively.