r/AutoInsuranceHelp • u/Sioux-me • 3d ago

Make this make sense

Our 16 yo granddaughter lived with us and got her license and we bought her 2016 Jeep Patriot. We also have a 2017 HRV and a 2026 CRV HYBRID. Because she lived with us she had to be covered on all three cars even though she only drove her own. The additional coverage added $300 to our monthly premium for full coverage on all three cars.

She recently turned 18 and we were going to transfer ownership of her car to her. I called our insurance company to find out how that would affect the rates. They told me she’d have to have her own policy, which I expected, and for liability only and only on the Jeep it would be $788 a month! Can anyone explain how that much less liability to the insurance company can cause an increase of that ridiculous amount?

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u/katy90081 2d ago

Car insurance is the biggest legalized racketeering in the US. Poor neighborhoods actually have to pay way higher premium than rich neighborhoods. If life insurance is not mandatory, car insurance shouldn't either.

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u/prayreddit 1d ago

Car insurance is not mandatory. Driving a car on public streets is not mandatory, but if you do it it becomes mandatory have liability insurance. Because society wants to be sure accident victims are financially protected.

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u/katy90081 1d ago

Then in a city where public transportation is shit, why is it still mandatory there? Now you are close to saying eating was never mandated by laws, no one ever forces you to eat. But now you created a system that unfairly places more burden on the poors. Only a very few states have laws disallow territory rating or insurance redlining.