I am 45 years old and have had my drivers license since I was 16. I have had 1 not at fault accident, I hit a deer, and haven't had a ticket in over 12 or 13 years.

My insurance rates just increased 50%. The reason, after 19 years of marriage my divorce became final in January of this year. It seem now that I am a single guy I am a menace to society.

The day my divorce became final I somehow changed back into an irresponsible single male. I can't be trusted to drive safely any longer. And worse yet, my ex-wifes insurance was barely affected. So much for equal rights.

ah yes, the pains of being a single male. Saw the same thing only in reverse happen to a friend. He was a horrid driver, but he married a lady who already had 2 kids, so because he was now married with 2 kids his insurance just dropped to the floor. I was about sick when I heard it.

Friggin insurance companies are ruling the world.. i hate dealing with them.

Sorry to hear about your rates, that bites.

Aye . . . the difference between insurance companies and mafia racketeers is that the insurance companies have better lobbyists . . . that, and they get to use law enforcement agencies to handle their collections. It's a sweet deal if you're at the top of that pyramid, but a nightmare for everyone who must have current proof of insurance to drive, particularly in a society where public transportation has been marginalized to the point of being irrelevant outside of a few huge metropolitan areas. Both on state and national levels, insurance companies are generous contributors to political campaign by both Democrats and Republicans. It's just one of the many ways the corporate parties maintain their stranglehold on political activity by channeling both public and private wealth through favored industries while siphoning off a piece for themselves.

I was in traffic court a few years ago (for something I did that was actually bad and was entirely my own fault . . . no denial about that,) but I listened to many other cases and saw dozens of people facing fines as much as $1,000 and in some cases also losing their licenses or facing non-trivial suspensions when their only crime was driving without insurance. Driving uninsured as an act of social protest is misguided, if only because the danger of serious legal repercussions is real. However, this is definitely one of the many fine reasons to never cast a ballot in favor of a mainstream politician when any sort of an outsider (i.e. a third party candidate, not a pro-corporate guy who spews a bunch of propaganda about not coming from privilege) is in the race. Whether you are a fan of anarcho-capitalism or you prefer something less extreme, acknowledging that there are some situations where collectivism actually makes more sense than competition, it will benefit all of society when the present political system is shocked enough to start offering more weight to the public interest in future policy decisions. Even legitimate corporations (the ones that actually make stuff and do things for people) suffer from the current widespread collusion between a few thoroughly corrupted industries and the puppets who rubber stamp the laws these entrenched commercial interests write on their own behalf.

Regards,
pro

It's all based on actuarial tables they just plug in the data and the computer spits out the rates. Sucks, yes. Unfair perhaps but don't take it personally. Some actuary out there has determined statistically that you are now a riskier driver. Scary!

Originally posted by arpmn
It's all based on actuarial tables they just plug in the data and the computer spits out the rates. Sucks, yes. Unfair perhaps but don't take it personally. Some actuary out there has determined statistically that you are now a riskier driver. Scary!
Yeah, it's like "OK, caught my wife having an affair so now I'm single and think I'll go out and drive like an idiot to get even with society for the way I've been treated."

Take a ring off of my finger and now I forget how to drive. I am not very happy with that little Gecko right now. People in California will know what that means.

DMV is notorious for their strong dislike of males.

geico?
that bastard chop his tail off...

yeah, that does suck; maybe try to lobby against it

Geez, it's been a while (20 years) since I sold insurance, but things must have changed. As far as I always knew, once a male hits 25, it doesn't matter if he's married or not. He is considered "adult", and his rates then depend purely on driving record and accident record.

You're saying that at 45, if you become single, they throw you into a higher risk category???

:uzi: Insurance companies :smash:

Vito

You're saying that at 45, if you become single, they throw you into a higher risk category???
Yeah Vito. It caught me by surprise also. They sent me a notice informing me of the increase so I called them thinking it must be a mistake. I thought they must still be charging me for the ex's Merecedes.

They told me that the figure was correct and that it was because I was now considered a single male. I argued but of course that doesn't get you anywhere with an insurance company. So I am now in the process of switching to a new company.

But I have to send in all kinds of documentation, history of insurance for 5 years, my girlfriends teaching credential so we can get that discount, exclusion of insurance for the kids at home. Even though they aren't even old enough to drive yet.

My insurance for 3 cars went from $1,200 every 6 months to $1,800 every 6 months. And that is with spotless driving records. This new company should bring me back down to $1,000 every 6 months.

So actually it looks like by raising my rates the little Gecko is going to end up saving me money.

Ever see the movie "Green Card"...

Originally posted by vito
:uzi: Insurance companies :smash:

:D Give me a hammer!

Originally posted by dapon
And worse yet, my ex-wifes insurance was barely affected. So much for equal rights.

you mean to say a divorced man has to pay more insurance premium than a divorced woman ? any valid reason behind it ? :confused:

Viagra rage.

SCREW INSURANCE COMPANIES! I got in a reck not too long ago, totally the other persons fault. However, the cop gave me a ticket for going to fast and now my insurance company won't pay for the body work. WTF? I pay so that if I get in an accident my car will be fixed. Its bull, its like they don't realise I pay for the service.

Insurance companies do not use the same criteria. Shop till you'll pay anything to be able to stop shopping. AAA usualy has good rates, and call USAA if you or one of your parents is ex-military.

Duh. This is why insurance is great. Pay for it while you dont need it, pay more for it when you do! :rolleyes: (FW-Mike)

Originally posted by Joe Bonanno
Insurance companies do not use the same criteria. Shop till you'll pay anything to be able to stop shopping. AAA usualy has good rates, and call USAA if you or one of your parents is ex-military.
I tried AAA. Pretty high. In Southern California there is a company called AIS. I called them and there prices are amazing. Going with them. Saving about 60% off of the new price Gieco was going to charge me.

AIS shops around 30 different companies and gets you the best deal they can. I can buy this insurance without taking a second job. I'm still not happy with insurance companies though.