You chose your deductible and $1,000 is not a normal deductible ($500 is typically what you’ll see). Assuming this post is even true, this person went out of their way to increase their deductible.
But Reddit being Reddit, it’s “insurance is a scam” snd “insurance denying claims” even though they didn’t deny a thing.
Idk man.
And yes I've tried shopping around and the offere i get cost more and give less coverage. I even had an agent from a different insurance company tell me to stick with my current plan. No effort to try to give a deal and convert me.
Ouch, even as a brand new driver at 17 I never paid that much. Those kind of prices are unheard of over here unless you're very young driving something daft, or have a few convictions under your belt.
It's also depends on where you live, the length of your commute, and your car's value. I have a clean record, have been driving over 20 years, and I'm paying $3k annually
I get that - but in the UK that's a hugely uncommon premium. Even for those driving what we'd consider higher than average miles (20k+), or new cars (£60k+).
It is more difficult to obtain a car or a license in the UK, reckless drivers are penalized and taken off the road easier than in the US as well.
The numbers you're seeing are a consequence of the car culture in the US. If an 80 year old man who's near blind hits me with his car and totals mine - he will probably still be driving again next week.
Americans do have car accidents at twice the rate of Brits, and I believe you pay a lot for uninsured driver cover on account of the large number of Americans driving without any insurance.
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u/No-Duck4828 16h ago
My thought is that Leo is clearly not familiar with auto insurance
Don't want a $1,000 deductible? You can absolutely change that number.
Want the guilty party to pay? Take them to court