The Insurance Debate
The cost of my insurance has finally been determined, and, while I'm not particularly pleased about it, it's much less than what it was going to be three months ago. Instead of the $18,000 a year it was going to be (and we're still not sure where they pulled that number from), it's now about $8,000 a year, so my cut is about $545 a month (up from $90, gah).
Apparently, I'm a "high-risk" driver. This, because of a speeding ticket (ooooh...15 over), and two weather-related accidents. I mean, yes, that's bad, two accidents, but, really, I would have thought the 50,000 km I've driven in the past four years might account for something, but no. Getting high marks in school lowers your rates, but driving 100 km both ways every day doesn't. And, for the record, the kids in my class who were getting high marks, were also the knobs having a couple of drinks at lunch, then driving to the mall.
Really, the entire setup is messed up. I got my G licence, and the insurance actually went up $12 a month. Why? Because, "Well, the rates changed. They change a lot.".
The long and the short of it, really, is that insurance companies really don't want young people driving. I'm not saying they're biased towards teenagers/young adults, etc. (I leave that up to the police), but when your rates don't go down until you're 25 and they're astromonical before that, you've got to kinda wonder how much my insurance would be 10 years from now, but with the exact same criteria. Much less, I don't doubt.
The cost of my insurance has finally been determined, and, while I'm not particularly pleased about it, it's much less than what it was going to be three months ago. Instead of the $18,000 a year it was going to be (and we're still not sure where they pulled that number from), it's now about $8,000 a year, so my cut is about $545 a month (up from $90, gah).
Apparently, I'm a "high-risk" driver. This, because of a speeding ticket (ooooh...15 over), and two weather-related accidents. I mean, yes, that's bad, two accidents, but, really, I would have thought the 50,000 km I've driven in the past four years might account for something, but no. Getting high marks in school lowers your rates, but driving 100 km both ways every day doesn't. And, for the record, the kids in my class who were getting high marks, were also the knobs having a couple of drinks at lunch, then driving to the mall.
Really, the entire setup is messed up. I got my G licence, and the insurance actually went up $12 a month. Why? Because, "Well, the rates changed. They change a lot.".
The long and the short of it, really, is that insurance companies really don't want young people driving. I'm not saying they're biased towards teenagers/young adults, etc. (I leave that up to the police), but when your rates don't go down until you're 25 and they're astromonical before that, you've got to kinda wonder how much my insurance would be 10 years from now, but with the exact same criteria. Much less, I don't doubt.
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