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Recursion

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60. ^^ Win (nt)

Reply to DURHAM D (Reply #6)

Tue Oct 29, 2013, 03:22 PM

Oct 2013

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Why is it fair for men to pay more for auto insurance? [View all] Kurska Oct 2013 OP

It's not fair. surrealAmerican Oct 2013 #1

It isn't. Puzzledtraveller Oct 2013 #2

I don't believe anyone has said that it is is fair. ScreamingMeemie Oct 2013 #3

They factor in lots of unfair shit, I think... penultimate Oct 2013 #4

Actually, about 95 percent of them use your credit score now. Fawke Em Oct 2013 #53

There's not a single long-term agreement in the world now that doesn't look at your credit score Recursion Oct 2013 #58

Employers that look at credits scores baffle me the most.. penultimate Oct 2013 #71

Same here. I mean, bank teller or something I get Recursion Oct 2013 #75

This message was self-deleted by its author Glassunion Oct 2013 #99

I'd like to know too.... beerandjesus Oct 2013 #5

If they pass the Equal Rights Amendment rating up men will stop. DURHAM D Oct 2013 #6

+1 gollygee Oct 2013 #7

^^ Win (nt) Recursion Oct 2013 #60

ERA should have been passed yesterday Kurska Oct 2013 #91

+1000 ismnotwasm Oct 2013 #92

Insurance is about management of risk. Health care should be about *care*. moriah Oct 2013 #8

I am a man, ergo I will be charged more for auto insurance more than a female. Kurska Oct 2013 #11

No, it's not fair, especially given the mandatory nature of liability auto insurance. moriah Oct 2013 #16

It's not one bit speculative. It's based on national/state driving arrest and conviction statistics. ancianita Oct 2013 #62

What I mean is, insurance is in the business of trying to make money by managing risk. moriah Oct 2013 #65

The math supports the argument that they can make money, yes. It also shows who should pay it. ancianita Oct 2013 #68

Correction, there's lots of good math behind both. moriah Oct 2013 #73

As a woman, don't be quick to hand over your money, since state and national stats are not unfair. ancianita Oct 2013 #78

They're based on traditional gender stereotypes ... Myrina Oct 2013 #9

In my experience, guys got pulled over far more often with me in the car... moriah Oct 2013 #13

It's not based on stereotypes. It's based on statistics. denverbill Oct 2013 #35

No they're absolutely not. You're wrong about the gender stereotype thing. Lots of social stuff is ancianita Oct 2013 #64

No, it's based on statistics, not stereotypes. alarimer Oct 2013 #98

First, because buying auto insurance is only mandated if you CHOOSE to drive a car. djean111 Oct 2013 #10

Tell me how I would go about never "choosing" to drive in the rural south. Kurska Oct 2013 #14

I meant carrying your argument out to a logical conclusion. djean111 Oct 2013 #22

The argument is it is the same argument for both cases Kurska Oct 2013 #36

Because evryone does not drive. djean111 Oct 2013 #38

And not everyone buys health insurance Kurska Oct 2013 #43

Health insurance applies equally because every single one of us WILL NEED HEALTH CARE at some point. ancianita Oct 2013 #66

Every human on this earth spent at least some time IN a uterus. moriah Oct 2013 #85

Too bad. Statistics of car-related crime by gender put the lie to your claims. See my other post ancianita Oct 2013 #57

what about life insurance? MattBaggins Oct 2013 #100

How very un-Democratic of you joeglow3 Oct 2013 #30

In the reality of today's world, yes. djean111 Oct 2013 #37

"the ideal car insurance would be single-payer" ding ding, we have a winner. Kurska Oct 2013 #45

Message auto-removed Name removed Oct 2013 #12

And women require more healthcare Kurska Oct 2013 #15

Gender is not something you can choose MissMillie Oct 2013 #19

I disagree, I've known people who simply shouldn't drive Fumesucker Oct 2013 #40

I think I'm safe enough with four wheels, but not two. moriah Oct 2013 #52

In mercuryblues Oct 2013 #17

It's not fair Politicalboi Oct 2013 #18

It depends on what your concept of "Insurance" is ...... oldhippie Oct 2013 #20

Health and auto insurance aren't comparable BainsBane Oct 2013 #21

Eh, transportation is kind of essential to work, which is pretty essential to live. moriah Oct 2013 #25

I personally resent having to have auto insurance at all BainsBane Oct 2013 #26

So if you are responsible for an accident in which I am injured and/or my car is damaged, djean111 Oct 2013 #33

You have recourse to the courts BainsBane Oct 2013 #46

What if I cannot afford a lawyer? What if you have nothing to take? djean111 Oct 2013 #47

In a just society, you would be permitted to ...... oldhippie Oct 2013 #69

We pay uninsured motorist coverage, don't we? BainsBane Oct 2013 #74

You don't have to have auto insurance, even to drive on public roads ..... oldhippie Oct 2013 #70

This message was self-deleted by its author BainsBane Oct 2013 #86

i am insuring a 16 and 18 yr old. nto fair. lets end it today. nt seabeyond Oct 2013 #23

Insurance companies mercuryblues Oct 2013 #24

husband totalled two vehicles 19 yrs, son one, i none... just a second, gotta knock on some wood... seabeyond Oct 2013 #27

you should see our rates mercuryblues Oct 2013 #42

My parent's are going through that with my little brother penultimate Oct 2013 #76

OMG... lol, ya. all this. my oldest gets no more chances. two. any more, he is off. seabeyond Oct 2013 #79

Insurance companies also set rates based on geography liberal N proud Oct 2013 #28

Our rates dropped in half when we moved from Maryland madinmaryland Oct 2013 #80

We were in northern Missouri, but yes liberal N proud Oct 2013 #87

I see. I assume you would be in the Cleveland area, which would be higher than even madinmaryland Oct 2013 #96

Yep liberal N proud Oct 2013 #103

Our daughter wanted to get out of the driving class at school... cynatnite Oct 2013 #31

Insurance companies, whether health or auto, will underwrite policies based on whatever the law is. denverbill Oct 2013 #29

I'd not object to mandatory liability coverage up to state limits being made gender-neutral. moriah Oct 2013 #48

Two parts jeff47 Oct 2013 #32

"Fair" isn't the issue. lumberjack_jeff Oct 2013 #34

Because ACA doesn't apply to auto insurance. GeorgeGist Oct 2013 #39

Car insurance rates are based on statistical risk. Young males have/cause sinkingfeeling Oct 2013 #41

Why is it fair for people under 25 to pay more for auto insurance? Performance. MADem Oct 2013 #44

Thank you. :) moriah Oct 2013 #49

And it's about US, too! Those "kids" are gonna be wiping our asses and serving us our pudding if MADem Oct 2013 #50

they'll say it's because they get into more accidents gopiscrap Oct 2013 #51

I tell you what: work with us for a nationwide non-profit public auto insurance regime Recursion Oct 2013 #54

It's totally fair. You just haven't bothered to find out why. ancianita Oct 2013 #55

Because a lot of young men do really stupid shit in cars NickB79 Oct 2013 #56

And that's just the high visibility stuff. nt ancianita Oct 2013 #59

It's a carry over from the 'dark days' of the horseless carriage............. wandy Oct 2013 #61

It isn't. n/t pnwmom Oct 2013 #63

Do we really want our health insurance to be based on actuarial tables? cbayer Oct 2013 #67

Actuarial tables and FBI crime stats are maps of reality. Knowing reality is a good thing. ancianita Oct 2013 #72

Even more reason why they should pay more when it comes to car insurance, imo. cbayer Oct 2013 #81

Amen to that. ancianita Oct 2013 #84

i dont think it is fair but it is also not a good comparison to health insurance. nt La Lioness Priyanka Oct 2013 #77

Well... Ohio Joe Oct 2013 #82

I suppose if younger guys' driving behavior Ilsa Oct 2013 #83

My driving record is fine, yet I still pay more. Kurska Oct 2013 #90

Based on data that states men are at a higher risk of being in a car accident? Rex Oct 2013 #88

Your argument is flawed. procon Oct 2013 #89

Men can't choose the gender they are born with either, buddy. Kurska Oct 2013 #93

It's a matter of statistics, not gender. procon Oct 2013 #97

Proven risk profiles. bluestate10 Oct 2013 #94

What are you asking us for? Nine Oct 2013 #95

It's not fair. Cleita Oct 2013 #101

Simple answer... Because it's fair. Glassunion Oct 2013 #102