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Joined 1 year ago
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Cake day: June 14th, 2023

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  • You can be the best defensive driver in the world but sometimes you’re just going to have to brake hard to avoid an object that may jump on you, dinging your driving score and raising your premiums.

    If you’re the best driver in the world, you don’t need to carry insurance because the lifetime expected spending on premiums is below the lifetime insurance payments. The only reason you carry insurance is if you’re not sure whether you’re the best driver in the world.

    Once your insurance knows (better than you) where you rank as a driver, they will either refuse to cover you (because costs > revenues) or raise your rates until you fall into a high risk of changing carriers (because that’s where they maximize profits). The initial discount is simply a teaser rate, while the company collects more data. The real determination of your max tolerable premium is your personal income, which is set by the value of your vehicle. All the telematics is hand-wavy bullshit. You really might be the best driver in the world, but they’ll still raise your rates if they think you’ll pay it.

    The real secret to getting a lower insurance premium is to own a cheaper car (and therefore signal to your insurer that you have less money to spend on insurance).

















  • which says don’t be a bigot, even if that’s obviously not what the comment was about.

    Maybe. But I also see a lot of 4chan-esque double speak and “Free Speech” concern trolling that’s all the fuck over Reddit constantly without ever getting any kind of take down.

    Reddit admins have automated so much of their policy that you’re posting in a minefield. You don’t know what arcane caveat you’re going to trip over that’ll get you suspended or banned. But you still find yourself hip deep in the most virulent bigoted, war-mongering, and overtly vile comment threads, because older heads know how to tip toe around the trigger words.