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Non Gaming Discussions => Off-Topic => Topic started by: PS2_-'_'-_PS2 on February 19, 2004, 11:20:58 AM

Title: Car insurance in America
Post by: PS2_-'_'-_PS2 on February 19, 2004, 11:20:58 AM
Do u have to have Car insurance to drive a car in America?

Also, what is the youngest ages u can start to leant at? and how long does it take the average person to pass Iincluding the time it takes to get lessons)?
Title: Car insurance in America
Post by: mm on February 19, 2004, 11:27:19 AM
yes

16 for a license

lessons?  your parents are for that
Title: Car insurance in America
Post by: Ashford on February 19, 2004, 11:28:06 AM
Yes, insurance is mandatory...

The youngest age is 16, I think...

It varies by state...

In NY, you can drive at 16, provided you have a Learner\'s Permit and a licensed adult in the car with you and only in the daytime. This does not include NYC, where you are not allowed to drive at all unless with a Licensed Instructor, while taking lessons.

I can\'t remember the exact rules cause I\'ve been licensed for so long...

It depends on how many lessons you take. I took weekly lessons for a few months and passed. The road test is really easy.
Title: Car insurance in America
Post by: Ashford on February 19, 2004, 11:29:21 AM
Damn mm and his 4 word replies...

Always beats people to the post...
Title: Car insurance in America
Post by: Coredweller on February 19, 2004, 11:53:56 AM
The requirements for a driver\'s license in most states in the US are a joke.  If you can see your own hand in front of your face, memorize the answers to 20 questions, and drive a car around the block without bumping into anything, you can get a license.  Our roads are filled with brain dead IDIOTS who don\'t have the first clue about how to drive, or what rules to observe.

For example:

1.  If you are driving on a multilane freeway in the left lane, and cars begin passing you on the RIGHT, what do you do?

2.  If two cars arrive at the same time at an intersection with a four way stop sign, which car goes first?

3.  When the traffic light turns yellow, what do you do?

4.  How do you make a left onto a busy street with on traffic signal?

I can think of many other examples specific to the high congestion in Los Angeles, but they may not apply to your rural neck of the woods.  Driving requirements in LA should be more restrictive than they are.
Title: Car insurance in America
Post by: videoholic on February 19, 2004, 12:27:56 PM
In Florida you get your learners permit at 15.  Restrictions noted above.  No driving after dark till a month or so before yoru 16th birthday.  Have to have someone 18 in the car.  Test is just a written exam.

At 16 the test is a driving test and it\'s easy as pie.

Insurance sucks ass as a youth.  Doesn\'t drop unless you are an honor roll student and it continues to suck until I think you are 24.  Can\'t remember.
Title: Car insurance in America
Post by: Phil on February 19, 2004, 12:30:02 PM
I am an honor roll student and I can say without a doubt that insurance still sucks.
Title: Car insurance in America
Post by: videoholic on February 19, 2004, 12:41:53 PM
Oh, and chicks are cheaper.  they drop at an earlier age than dudes too.  so get a sex change.
Title: Car insurance in America
Post by: THX on February 19, 2004, 01:43:01 PM
I think most people here pay $700-$800 year for their insurnace if under 25 and have a spot-free record.  That changes once you hit 25 and still have a good record.  You\'re considered less of a risk since you are more mature.

I\'m 24 and pay $2g\'s a year for special commercial driver\'s insruance since I deliver pizzas.  I probably don\'t need to but better safe than sorry.
Title: Car insurance in America
Post by: The Stapler on February 19, 2004, 01:44:40 PM
Quote
Originally posted by Coredweller
1.  If you are driving on a multilane freeway in the left lane, and cars begin passing you on the RIGHT, what do you do?

2.  If two cars arrive at the same time at an intersection with a four way stop sign, which car goes first?

3.  When the traffic light turns yellow, what do you do?

4.  How do you make a left onto a busy street with on traffic signal?
 


1. Most further left so more cars may pass on the right.
2. Whoever is the bigger asshole.
3. Depress accelerator.
4. I really have no idea.

;)

I pay $1200 a year in insurance when I\'m under my dad\'s name.
Title: Car insurance in America
Post by: Phil on February 19, 2004, 01:45:54 PM
Quote
Originally posted by THX
I think most people here pay $700-$800 year for their insurnace if under 25 and have a spot-free record.  That changes once you hit 25 and still have a good record.  You\'re considered less of a risk since you are more mature.

I\'m 24 and pay $2g\'s a year for special commercial driver\'s insruance since I deliver pizzas.  I probably don\'t need to but better safe than sorry.



hahahaha....*sigh* :(

I pay around 500 every six months and I have a spotless record.
Title: Car insurance in America
Post by: videoholic on February 19, 2004, 01:49:17 PM
I pay 1200 a year for 2 cars.
Title: Car insurance in America
Post by: Coredweller on February 19, 2004, 02:07:33 PM
How much you pay in insurance is dependent on so many variables, it\'s usually pointless to make comparisons on an internet forum.  Where you live, what kind of car you drive, how old you are, your driving record, all these things affect it.  

I remember when I moved from Walnut Creek, CA to Los Angeles, my auto insurance basically doubled.  That\'s how much the variable of where you live can affect your premium.  

Also, different insurance companies charge vastly different rates for NO REASON WHATSOEVER.  All the BS about some companies offering better service is complete crap.  Every insurance company will try to deny your claim if possible or screw you out of as much money as they can.  You haven\'t really met your own insurance company until you try to file a claim.  :(
Title: Car insurance in America
Post by: Living-In-Clip on February 19, 2004, 02:58:48 PM
First car was a Honda Del Sol, I was eighteen.. Didn\'t have any tickets / wrecks and my insurance was still $700 every THREE months. Insurance is a racket for young males.
Title: Car insurance in America
Post by: PS2_-'_'-_PS2 on February 19, 2004, 03:06:57 PM
Yeh it does suck ass, $800 to get put on my mums volvo estate for THREE MONTHS!.


You Americans and ur lazy ass automatic\'s, u should try a manual its more fun than playing a video game - sorry driving and automatic =]
Title: Car insurance in America
Post by: THX on February 19, 2004, 03:10:43 PM
Who mentioned anything about automatics?  And if you 3rd world countries were as busy and rich as us Americans maybe you\'d have something better to do than use all 4 limbs to drive a damn car.

;)
Title: Car insurance in America
Post by: (e) on February 19, 2004, 04:02:38 PM
All of you paying car insurance need to learn 3 words;

hit and run
Title: Car insurance in America
Post by: Coredweller on February 19, 2004, 04:03:38 PM
In MANY cases, manual transmissions are more fun than automatics.  I would probably buy a manual transmission for any car that offered it.  I\'m still amazed at some of the cars that DON\'T offer it, like the Ford Thunderbird.

However, when the vehicle is some fat assed SUV or truck, or luxury car, a manual transmission is just more work.  Why bother?  The damn thing\'s never going to be fast anyway.  Might as well relax and give your left foot a rest.  :)
Title: Car insurance in America
Post by: Coredweller on February 19, 2004, 04:05:23 PM
Quote
Originally posted by (e)
All of you paying car insurance need to learn 3 words;

hit and run
Remind me to stay away from Alaska.  If you try that in LA, you could have some homies running you down and putting a 9mm slug in your ass.
Title: Car insurance in America
Post by: (e) on February 19, 2004, 04:06:42 PM
But, Im bulletproof!

HA HA!
Title: Car insurance in America
Post by: THX on February 19, 2004, 04:08:43 PM
Some sedans still function great with a stick.  I wouldn\'t want one in a Cadillac but a Maxima or TL do great with a manual.
Title: Car insurance in America
Post by: Paul2 on February 19, 2004, 05:42:40 PM
talk about hit and run,
my brother was parking one time on the side of the street and some hours later when he get back to his car, the side of the car was slightly squish.  Looks like some idiot doesn\'t know how to drive and bump into my brother\'s car and run away.

Well, the car kinda squish inward on the side, but it still working properly, but because of it, the look of the car isn\'t the same.
Title: Car insurance in America
Post by: mjps21983 on February 19, 2004, 05:55:40 PM
we pay all this money and never see any of it most of the time. I swear if you get into no wrecks or anything for the whole term the insurance companies should owe you 25-50% of what you paid them back.