Car Insurance Policies that Fit Real World Experiences
Let's face it, car insurance policies read as though they were written by the mastermind of simplicity. According to most car insurance policies, you care covered if you breath wrong or if you leave your car in the wrong place or of your car isn't decked to the hills with the latest security gadgets. Who has time for that? I want car insurance policies that fit the real world experiences of life without cramping out the possibility for human involvement. Sure, my car has a security system but it doesn't have a security system that sounds a siren, locks in the driver, takes a fingerprint, snaps a photo, and alerts me while I am inside the mall that someone has decide to try to jack my car. Let's be real. I don't have $10,000 to plunk down on a security system like that on a $10,000 car. Who does? But if you read the theft portion of my car insurance policy, it would seem as though not having those features has placed a sign on my car begging the thief to take it for free.New technology has also made the older systems of safety almost obsolete in the eyes of the car insurance policy writers. Yes, my car has an airbag, two in fact. But it didn't come with six airbags and all that other mumbo jumbo I have heard about recently. I don't see why I should be penalized because my car doesn't have a passive restraint system and I can't turn off my passenger side air bags. When I bought the car, passenger side air bags were new, and definitely a big deal. With most people hanging onto their cars for ten years or more it is no wonder that the majority of people in need of insurance end up feeling like their old lemon has outlived her prime.
There are a lot of new safety and security features out there that try to make driving safer. I can appreciate that and I can even appreciate that car insurance policy writers want to encourage people to buy the safest cars possible. However, if I can't afford to replace my car every year to keep up with the new technology, how can I be expected to maintain rising insurance rates that are trying to push me into safer cars? The last time I looked, the average car cost about the same as a low end average annual salary, which is where the great lot of us back breakers and sweaters file within our tax bracket. So driving up my car insurance rates in order to encourage me to buy a newer and "safer' car just seems like some backward logic to me. If I do all that, then I will still be paying higher rates because now I have a more expensive car to cover in case of an accident. Once again, I am looking for logic.
The car insurance policy that works for me is the one that recognizes that no matter how decked out my car might be, the only thing that truly makes it safer is the way that I drive. No, I don't own the newest car and I don't have every feature under the sun. But I also don't have a false sense of security that my car will hold up perfectly in a twenty car pile up so my driving habits are irrelevant. I haven't had an accident in over ten years, and I love it when the car insurance policy sitting in my glove box recognizes that this is the greatest safety feature of all time.
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