You can order quite a few Ubers or zip car rentals for 20k.
Welcome to the Era of the $20k Family Car Insurance Bill
91–100 of 116 posts
Re: Welcome to the Era of the $20k Family Car Insurance Bill
#92Distracted driving + expensive new cars = "crazy" premiums. We all pay the price when new cars are priced in the upper 5-digit and 6-digit range and a fender-bender costs $5K - $10K.
Automakers charge what the be auto market can support. They can limit supply to keep prices high. Used car market is limited by new car market sales. Structural demographics means there are less workers every year (auto repair labor costs). Costs are unlikely to decline.
I think the used car market is suffering from a few things.
Some states implemented "extreme" used car sales taxes (Ga)
Cash for clunkers,zirp, caused a surge of new cars after 2008.
Cars produced after 1996 (OBD2) and 2003 (wideband, multi fuel), and 2008 (8 speed zf transmissions with full lockup - and dsg for sports cars) are incredibly reliable - especially with a 100k mile warranty and service packages.
Then you have the 2017 tax cuts, compounded with 2020 chips shortage.
Somewhere you also have ev incentives
Re: Welcome to the Era of the $20k Family Car Insurance Bill
#93Earlier quoted context omitted.
What about male/female? Are young men more likely to cause damage than young women?
The National Highway Traffic Safety Administration has excellent data available on this and similar questions, start with Table 62: https://cdan.dot.gov/tsftables/tsfar.htm
Should ban males from driving if I'm reading this correctly.
Re: Welcome to the Era of the $20k Family Car Insurance Bill
#94Earlier quoted context omitted.
All change from the status quo causes financial pain, usually for the people who can’t afford it. The OP also didn’t suggest or implement the change, but only commented that they liked the results with regard to car ownership and use
Oh, so it wasn't to be taken seriously. Well that's good, because if taken seriously you'd be talking about taking food out of my children's mouths to pay for your fantasy transportation infrastructure that wouldn't pay for itself due to population density, likely be poorly implemented while restricting my freedom of movement, and I make enough that I could eat those costs better than most. I'm annoyed at the termina…
>How about we eminent-domain wherever you live to build a train line? Oh that wouldn't be a problem for you? Congrats on being in the top 10% at least.
Nah, its not a problem because I'm fine contributing to society. If you need everything to stay exactly as it is or you think your life will fall apart, then I have no sympathy for you.
I do believe if we need to do something like eminent domain then people should be compensated and cases like Kelo v. City of New London were pretty disgusting, but I am not going to pretend that we cant change because people were inconvenienced
Re: Welcome to the Era of the $20k Family Car Insurance Bill
#95Earlier quoted context omitted.
Buses and trains don’t run 24 hours a day. I paid a premium to live a walkable distance to most things I do. We drive so little that I fill my tank once every 2-3 MONTHS. But when my four month old has a fever in the middle of the night I absolutely need my car or I would have to call an ambulance. SMH
If my imaginary four-year-old has a fever in the middle of the night, I first phone the nurse-on-duty, and if they determine I need to go somewhere, I see if there's a nearby shared e-vehicle (and in the middle of the night, it will sure be), and use that. Or, like, call an Uber, which might be slightly faster, but for a fever, well... And if the situation is truly urgent, they'll send an ambulance, which should take…
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Re: Welcome to the Era of the $20k Family Car Insurance Bill
#96Earlier quoted context omitted.
The National Highway Traffic Safety Administration has excellent data available on this and similar questions, start with Table 62: https://cdan.dot.gov/tsftables/tsfar.htm
Should ban males from driving if I'm reading this correctly.
"Driver Involvement Rates per 100,000 Licensed Drivers by Age Group, Sex, and Crash Severity", per the linked article.
The metric is useless in the first place, this is "per licensed drivers", not "per driver-miles".
It's a certainty that men drive more miles than women, primarily for job purposes. The NHTSA doesn't give enough data to determine this. My guess is that it's split almost exactly evenly per-mile, but who knows, without the data?
Re: Welcome to the Era of the $20k Family Car Insurance Bill
#97Earlier quoted context omitted.
Should ban males from driving if I'm reading this correctly.
"Driver Involvement Rates per 100,000 Licensed Drivers by Age Group, Sex, and Crash Severity", per the linked article. The metric is useless in the first place, this is "per licensed drivers", not "per driver-miles". It's a certainty that men drive more miles than women, primarily for job purposes. The NHTSA doesn't give enough data to determine this. My guess is that it's split almost exactly evenly per-mile, but wh…
I would wager (speculate) that if you account for miles driven that men would still cost a little bit more. Men seem to have a more impulsive nature on average. These days, the trick to being safe on the road is defensive driving. Minimize the number of risks and give extra padding to all actions to account for the potential of driver mistakes, including the mistakes of others.
Re: Welcome to the Era of the $20k Family Car Insurance Bill
#98Earlier quoted context omitted.
Disincentives a suboptimal transportation option. Price signals are important, just like making it expensive to own property where the risk is too high. Automotive ownership and transportation is likely to never be as inexpensive as it previously was. You will either need to pay the cost or live somewhere you don’t need a car.
It doesn't really matter if you disincentivise it if there isn't an alternative, or the alternatives are even worse, as is currently the case in many parts of the US.
I think the intention is that the disincentives will then create the opportunity for lower-cost transportation options, while simultaneously increasing advocacy in voters.
Personal vehicles are expensive, and historically that cost is hidden from consumers. People were "conned" into believing it was the most economical transportation available personally.
Re: Welcome to the Era of the $20k Family Car Insurance Bill
#99Earlier quoted context omitted.
If you confiscated my car tomorrow, I literally couldn't get to work or buy groceries. That isn't an optimization, it's a hard reality. Once you've built timely safe replacement infrastructure that can carry me from my home to my place of employment as fast or faster than my current commute, and take me to any of the shops I frequent, and do that for all of my neighbors, and do all of the above in a way that costs le…
It also needs to be able to do this _literally door to door_ and without having to sit next to, speak to, or touch anyone I don't know. Cars are a privacy bubble and a shield, not just a transport mechanism; no form of mass transit will ever be an acceptable substitute in the way that, for me, is the most important factor.
Part of existing in a society is the fact you will interact with other people. There are places - particularly rural - where this is not the case. Such places would probably never not be automobile-centric, as it makes no sense to run lines to low populous, sparce areas.
But if you live in an urban area, the "cost tradeoff" of having everything close is there's more likelihood to be around people. It's untenable to have the desire to have 10 grocery stores, 5 banks, 3 schools etc within 5 miles of you and also have no people interaction. Who runs those places? And who goes to them? The privacy cars provide is therefore mostly an illusion.
Also, I wouldn't describe an automobile as a shield, considering it's by far the thing most likely to kill you. It's a sword, if anything.
Re: Welcome to the Era of the $20k Family Car Insurance Bill
#100Earlier quoted context omitted.
Hey, I'm the guy who is 100% against private car ownership, and I don't want to "confiscate your car" (I mean, what would I do with that ?) or encourage anyone to do so (unless, of course, they're the bank and you're a delinquent , don't want to upset the apple cart too much...). I want you to be able to reliably get transport to where-ever you need to go, an what-ever time you need to go there, without the need to k…
Are you proposing ridesharing? Self-driving hasn't been widely deployed yet.
... no? Are we so car-brained that the options are "my car" or "somebody else's car"?