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<blockquote data-quote="frdfandc" data-source="post: 5461113" data-attributes="member: 605049">The deductible is CHOSEN by the policy holder (YOU) at initial policy sign up. I myself, have at $250 deductible. Because I know that everything on the newer cars costs at least $500-800 just to start.Get into a minor collision, lets say the front bumper cover for your Honda Civic is fubar. Parts alone will cost over $500. Not including paint and labor. So if you have a $1k deductible, and the claim is for $1200, your footing most of the bill.I would rather pay a little more every quarter, then having to pay a lot more down the road.Besides if you have a good driving record, no tickets and/or accidents, your rates stay low.Besides if rates were individual, why were my rates as a 22 year old male (I&#039;m now 32) were 4 times higher on my Mustang 5.0 than my 19 y/o sister on the same car with the same coverage?Its actually a biased system. Most men pay more for the same policy as a female.&nbsp; My wife was paying less for full coverage on a 3 month old car than I was on a 10 year old car with only liability.BTW innsanes, its the law for insurance in all 50 states.tcc300 - why get rid of a good thing???? insurance f uks ppl, then they wonder why ppl **** them.....Its a never ending circle. Insurance phucks people, people phucks the insurance companies, then the insurance companies jack up the rates again, ******** people, then the people phuck the insurance companies.Get a clue. If the public stopped insurance fraud, your rates would be only based on how poorly you drive.</blockquote>

[QUOTE="frdfandc, post: 5461113, member: 605049"] The deductible is CHOSEN by the policy holder (YOU) at initial policy sign up. I myself, have at $250 deductible. Because I know that everything on the newer cars costs at least $500-800 just to start. Get into a minor collision, lets say the front bumper cover for your Honda Civic is fubar. Parts alone will cost over $500. Not including paint and labor. So if you have a $1k deductible, and the claim is for $1200, your footing most of the bill. I would rather pay a little more every quarter, then having to pay a lot more down the road. Besides if you have a good driving record, no tickets and/or accidents, your rates stay low. Besides if rates were individual, why were my rates as a 22 year old male (I'm now 32) were 4 times higher on my Mustang 5.0 than my 19 y/o sister on the same car with the same coverage? Its actually a biased system. Most men pay more for the same policy as a female. My wife was paying less for full coverage on a 3 month old car than I was on a 10 year old car with only liability. BTW innsanes, its the law for insurance in all 50 states. tcc300 - why get rid of a good thing???? insurance f uks ppl, then they wonder why ppl **** them..... Its a never ending circle. Insurance phucks people, people phucks the insurance companies, then the insurance companies jack up the rates again, ******** people, then the people phuck the insurance companies. Get a clue. If the public stopped insurance fraud, your rates would be only based on how poorly you drive. [/QUOTE]

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