re: Why hasn't auto insurance come down yet

The more computerized your vehicle, the more costly it is to repair. Insurance passing those costs onto you.

That’s the way it should be done if no damages.

because auto insurance is a for profit business. full stop

One can look at all kinds of explanations, factors and formulas, but in my experience car insurance generally never comes down. I've been buying car insurance >40 years and the only time I've experienced a significant drop in the premium was due to a specific change in insurance company, vehicle, location, etc. At 18 yo I was told it'd go down at 21 yo. It didn't. I was told it'd go down when I went from 2 door to 4 door. It didn't. I was told It'd go down when I got married. It didn't. I just shop it regularly looking for the best deal, but never expect a significant drop in the premium.

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You get in a wreck with a non insured vehicle and its their fault. (Your insurance pays)

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And nothing happens to the other driver. They may get a fine or their license suspended but they were already driving without insurance, you think a suspended license is going to bother them?

I've said it before and a few bleeding hearts don't like to hear this because "we're over-criminalized already" or "jails are already too crowded", but driving without a valid license, active insurance, and/or active registration should result in jail time. Because the current set up is not deterring people from driving illegally enough because they don't fear the consequences of it.

At the very least if cops don't want to pull over every car without a plate or temp tag (they already don't, I see cops drive by them and do nothing and I know if I can see it they can), this should happen for any accident that happens and someone falls in that category. The more we can deter such drivers from being on the road, the fewer of them there will be on the road, and claims will go way down and then premiums can come down with it.

I’m not even suggesting that police pull these folks over randomly, but if they get in wrecks or get pulled over for a moving violation, tow their fricking vehicle is they don’t have a DL or insurance. Make them suffer and have to pay along with showing proof they are legal to drive before getting their vehicle back.

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IYKYK

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I hate those damn billboards. So annoying

Anybody else notice how an oil change is up 75% in the last 4 years?

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When cost to repair and maintenance has been falling?

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The cost of repairs isn’t falling. It’s growing slower than it was. But it’s still growing as is the price of literally everything.

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Car theft: up
Litigation costs: up
Car parts: sky rocketing
Car replacement: way up
Body shop costs: way up

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Add ;

# Uninsured motorists are up

And Americans are the most distracted drivers

And number of "under the influence" (alcohol, weed and medicine) drivers have increased