1. FAR more accidents are caused by slow-assed fools who get hit from behind - the most dishonorable kind of dent is in the rear hahaha. Also, those same slow-assed rule-following fools cause the great majority of road rage among us normal people who get pissed off at them. As I said, though, most of that can be solved with a simple middle finger - the God-given remedy for dealing with dumbasses.

wpr, somehow I knew (or at least am not surprised) that you are an insurance guy.

2. Answer me this question if you can: many years ago I briefly sold life insurance (A.L. Williams). I was told at that time that auto insurance was just a side light for most insurance companies, not much profit in it. Now, you have Discount Double-Check and 10 or 12 other companies aggressively, almost frantically advertizing for auto insurance business. Apparently there is real profit in it now. What has changed? Safer driving? The "Individual Mandate" as applied to auto insurance? Something else?

3. BTW, in 50 1/2 years of driving, I have been involved in exactly one property damage accident - no injuries. I got hit from behind (oh the shame of it hahahaha) while sitting at a stop light by a damn drunk. He got injured - by me beating the crap out of him right there in the street.

Originally Posted by: texaspackerbacker 

"Left laners: people driving aimlessly in the passing lane clogging up traffic.
When I have to pass them on the right they always get the finger.

People using the left turn lane to merge into traffic.
It's called the left turn lane for a reason numbnuts!

Originally Posted by: yooperfan 

1. Wrong. Statistics say so.

2. Auto insurance is not a lost leader. There are many years were the industry combined loss ratio for auto insurance is 103-107%. That means for every dollar the industry takes in they spend a dollar and three cents to a dollar and seven cents. When they can get more than 10% on their investments it is not terribly bad (although companies will still complain.) in today's financial market they are not getting that. The past few years the loss ratio has been a little higher than that thus the rate increases for the past few years has been a little steeper than usual. As for your question about all the ads, the companies you are mentioning depend on auto sales. They do very little outside of home and auto insurance. They need auto sales or die.

3. One driver's record does not mean it is a safer method of driving. I have met hundreds of teenagers that have not have had tickets or accidents. But as a collective group their record is not very good. Your cohorts have ruined your argument. (I had an attorney once tell me that his law firm knew how to practice law safely. After all they never had a malpractice lawsuit in the 100 years that the firm had been in existence. I told him that was marvelous but didn't mean they wouldn't in the future. They had 2 claims in the next 3 years.)

Originally Posted by: wpr 

How many people know that GEICO used to be the "Government Employees Insurance Company"?

:)

Originally Posted by: Wade 

How many people know that GEICO used to be the "Government Employees Insurance Company"?

:)

Originally Posted by: Wade