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Post by bolverk on Aug 29, 2008 12:46:49 GMT -5
In fact Mink, I had to Smite you for being so smarmy.
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Post by The Big Dog on Aug 29, 2008 13:17:04 GMT -5
It amazes me when "conservatives" don't know the meaning of conservation! So when I make a 4.5 mile round trip walk to the library across town by walking ratgher than driving when I have to pick up and drop off my books I don't know the meaning of conservation? So when I take a long vacation and travel by train, rather than by the far less efficient car or airplane, I don't know the meaning of conservation? In fact I spent two weeks in Southern California a couple of years ago on vacation and never once rented a car. Rode rail everywhere we went. I installed CFLs long before it was in vogue to do so. Living through the drought of the 1970's in Marin County I learned water conservation and use far less water than any of the neighbors around me. I've long been an advocate of recycling and recycle far more volume each week than goes into the trash can. So don't even start lecturing me on conservation. Stick that up some elitists exhaust pipe. |
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Post by Mink on Aug 29, 2008 20:29:38 GMT -5
It amazes me when "conservatives" don't know the meaning of conservation!  Is that an attempt at humor? Conservation is what I do. I drive a 4 cylinder vehicle, which gets excellent gas millage. I walk when possible. I limit my trips. Why should I have more legislation, that is not conservation. "smarmy"  I'm not sure that fits the criteria for a smite, (not that there is any) or, is a word. Well, I'm proud of you bloverk for being such a "greeny" and responsible for our environment. What has become essential now, I have been doing all my life.....the way my Democrat parents taught us. It's all about resources, no waste and respect for the Earth! BTW, as soon as I am able, I will exalt saunterelle for all the smites you give him for having an opinion that differs from yours  |
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Post by The Big Dog on Aug 29, 2008 21:10:19 GMT -5
From Webster's online dictionary....
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Post by The New Guy on Aug 30, 2008 7:58:09 GMT -5
speaking of "green," i wonder what kind of carbon footprint that DNC convention left? hell, obama's rock star stadium appearance alone must have contributed more to g l o b a l w a r m i n g than any nuke plant does in a whole year.  |
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Post by ferrous on Aug 30, 2008 9:34:37 GMT -5
What is so great about the idea? I like it because those of us who drive more pay more. It makes sense not only from an insurance standpoint (because people who drive a lot are more likely to have an accident), but also because they contribute to greater wear and tear on our roads and they emit more greenhouse gasses which is something that affects us all. The type of vehicle driven and the level of emissions it puts out should also be factored in. The Big Dog makes a good point though, if there is no mechanism to verify mileage what's the use? Mileage has little to do with chances of being in an accident. It is the location where those miles are driven that will increase or lessen your chances of an accident. I drive less than 2500 miles a year while my wife drives less than 1000 miles per year. To insure those two older vehicles, we pay more than $1800 per year (with clean driving records) because we live in the Roseland area. If we lived in the 95401 area are premiums would probably be half of that. As for mechanisms to determine miles driven, "On Star" is a good example. It is able to know where you are, how fast your driving, and whether you are a bit heavy on the gas pedal and brake. The technology is already in place. |
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Post by JustMyOpinion on Aug 30, 2008 13:37:22 GMT -5
Geez! What about commuters that have to live 60 miles (each way) from their jobs/homes in order to survive? What about carpooling? Do carpoolers have some exemption from higher rates? What about Prius owners, aren't they doing enough, or do they pay higher rates too? What about parents who pay for private school and drive to another town, they aren't draining the system by sending their kids to public schools, would there be some adjustments made? Too many variables for me... I don't know about the rest of you, but we are all ready paying through the nose for health insurance, home owners insurance, car insurance, taxes... ENOUGH! |
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Len
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Post by Len on Aug 30, 2008 17:49:51 GMT -5
What is so great about the idea? I like it because those of us who drive more pay more. It makes sense not only from an insurance standpoint (because people who drive a lot are more likely to have an accident), but also because they contribute to greater wear and tear on our roads and they emit more greenhouse gasses which is something that affects us all. The type of vehicle driven and the level of emissions it puts out should also be factored in. The Big Dog makes a good point though, if there is no mechanism to verify mileage what's the use? First, there is no mechanism THIS YEAR. But there is a "mechanism", it's just that those that MAKE THE LAWS have made it so, THIS YEAR. But that will change, guaranteed. Or you don't know POWER in the hands of folks, but especially politicians, which are even more different critters. Second off, if you want to pay more, then pay more! But there is not a direct correlation that if one drives more, there are more accidents by that one person. Statistically, it all is a wash, but why should I pay more because I drive more? Not really logical, unless logic is a statistic. Thirdly, the wear and tear on our roads is covered by gas taxes. Oh, wait! Those that made that law are dead, as is the purpose since the money was creatively used to hold up this New World way of treating our money. Never mind, as accountability is SO passe'. And green house gasses? Round up them cows...."rollin', rollin', rollin', keep those doggies rollin', Rawhide!" WHACK |
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Len
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Post by Len on Aug 30, 2008 17:53:47 GMT -5
I drive less than 2500 miles a year while my wife drives less than 1000 miles per year. To insure those two older vehicles, we pay more than $1800 per year (with clean driving records) because we live in the Roseland area. If we lived in the 95401 area are premiums would probably be half of that. I believe that the zip code issue was tossed out and insurance companies are forbidden to use that as a criteria anymore. I think that changed in the last year or so. Turned out to be a windfall for insurance companies, as many "nicely placed" folks had to pick up the slack! |
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Post by ferrous on Aug 31, 2008 9:43:46 GMT -5
Wouldn't it be nice if people (and companies) did what they were suppose to. The word being "comply." It appears (and my car insurance rate proves it) that 46 out of the 246+ car insurance carriers in this state has yet to comply with California Insurance Commissioner John Garamendi order for: "insurers to stop using ZIP Codes as a main factor in determining car-insurance rates." www.latimes.com/business/la-fi-lazarus6apr06,1,1023323.column As for the mechanism to track drivers, it is not fully in place, but it is being implemented. GPS, Tomtom, LoJack, OnStar, ect. ect. These babies track all movement of the vehicles, employees, spouses, and children. Heck, you could even get one for your mother-in law so she can't show up enexpected. Here's just one of them... www.gpsonsale.com/vehicletrackingdevices/?gclid=CMzeydamuJUCFSJIagodCVhqPwThe mechanism is being install whether were ready for it or not. |
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Len
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Post by Len on Aug 31, 2008 14:45:20 GMT -5
Thanks, Ferrous. Iron clad proof that gov't works, kind of, and under the right conditions, sometimes, almost.
As that article was dated in April, 2008, with July compliance, it should have been determined by now!
I recall the court order, not as much detail as the cite you graciously posted, which could be the reason you got messed over in your premium. My son works for Progressive Insurance, but has his own personal car insurance with Geico, as they give better rates, just like your article states.
Thanks for the clarification.
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Post by ferrous on Aug 31, 2008 15:20:25 GMT -5
I've been insured with CSAA for over 25+ years and haven't had a chargable accident since I've been with them.
In the late 80's and early 90's I was clocking almost 32,000 miles of driving a year.
I have no moving violations and now drive less than a total of 5,000 miles for the two vehicles.
I was again disappointed with CSAA when, just this month I got a quote from them raising my rates from $1,800 per year to now over $1,900.
I'll be calling my Allstate rep who handles my homeowners insurance to see If I can get a better rate.
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I'm not sure that fits the criteria for a smite, (not that there is any) or, is a word. Well, I'm proud of you bloverk for being such a "greeny" and responsible for our environment. What has become essential now, I have been doing all my life.....the way my Democrat parents taught us. It's all about resources, no waste and respect for the Earth! 
