General > General info Somewhat hot tub related
Definately off topic..
Brewman:
--- Quote ---My son took optional Driver's Ed through school ($250.00). I insisted on it and our insurance is reduced because of it. Another plus for insurance is a 3.0 average on a report card. I guess it shows responsibility, (I just don't buy that, but statistics say it makes a difference) Additionally, my 16 year old has been driving farm machinery and trucks on a farm since he was 14. But none of this can prepare a kid for all of the crazies that they will face on the road. They have grown up multi-tasking as a part of every day life. I think they are more inclined to be distracted because they are not used to concentrating on just ONE thing.
When I see these kids (mostly young girls) yacking on the cell phone while driving, I get so angry. They are just inviting accidents. >:(
--- End quote ---
Believe me, if the insurance industry offers a "discount" for good grades, it means they have mountains of evidence to back it up. Pricing insurance is an incredibly complex science- the people who specialize in this (actuaries) make really good money, and are in very high demand. They wouldn't offer a rate reduction unless there was evidence behind it- especially in the dreaded "student" driver category.
Cell phone useage is bad enough- text messaging behind the wheel should be a felony level offense. How can you possibly drive and text message at the same time?
Chad:
I agree 100% Brewman.
Get this. My uncle is a retnal surgeon, has his own practice, makes around $750K a year, married his high school sweetheart, has five kids, is a devoted Catholic, and beleive it or not [size=20]reads books when he drives[/size].
How can such a brilliant man be such an idiot at the same time?
Bonibelle:
I guess my question with the good student discount is ..how can it differ so much between companies? My old company, Liberty Mutual, gave a $780.00 discount for 3.0 on the report card. My new company only discounts $146 for the same grades.( and I increased liability to $1,000,000.00).
As far as texting and talking, it is crazy..there should be a button on all cell phones that sends an instant message..I am driving, talk/text later. I think I will tell Verizon to do that.
I notice that kids tend to text much more than they talk now, so I imagine accidents from texting will increase substantially :(
ndabunka:
--- Quote ---I agree 100% Brewman.
Get this. My uncle is a retnal surgeon, has his own practice, makes around $750K a year, married his high school sweetheart, has five kids, is a devoted Catholic, and beleive it or not [size=20]reads books when he drives[/size].
How can such a brilliant man be such an idiot at the same time?
--- End quote ---
I agree that reading while driving could be dangerous (for most people) but you have to realize that some people brains are wired a bit differently than others. Menial tasks such as driving a car or calculating 3rd order derivatives are simply an "amusement" to a select set of individuals. Kinda like listening to a radio would be for you and I. As far as reading goes, I am one of the lucky ones that can read anywhere from 1 to 2 pages a minute. I may not have great intellect, but with such an ability of reading comprehension so different from others I can read about 6 sentences while most can only read one (in about a quarter of a second). In terms of driving, a quarter of a second may seem like a lot but in reality, it's less than a few feet so I think I could easily do it if I wanted too. I wouldn't want to glance over at the car next to me and see him take his eyes off the road for that brief period of time but in reality most casual drivers pay FAR less attention to the road than I do. In truth, it DRIVES ME NUTS to ride in a car with someone who is OBVIOUSLY not paying a lot of attention to what they are doing. In about 90% of the cases, those people also turn out to have a lower level of intelligence. Therefore, I never really rode around much with mentally challenged people. It made dating a ditzy blond a very brief event for me in college (about a 1/2 mile ride in a car before I got out and walked to preserve my sanity). I will NOT let ANYONE apply makeup while driving nor use anything other than a hands-free cell phone while driving a car. However, I can admit that even I have been a bit um, er, ah "distracted" by the pretty pictures on the NAVI screen (in my case, the NAVI also has voice control so most things can be done without actually having to use the touch screen. Thank god for technology)!
Brewman:
--- Quote ---I guess my question with the good student discount is ..how can it differ so much between companies? My old company, Liberty Mutual, gave a $780.00 discount for 3.0 on the report card. My new company only discounts $146 for the same grades.( and I increased liability to $1,000,000.00).
As far as texting and talking, it is crazy..there should be a button on all cell phones that sends an instant message..I am driving, talk/text later. I think I will tell Verizon to do that.
I notice that kids tend to text much more than they talk now, so I imagine accidents from texting will increase substantially :(
--- End quote ---
You'll never find any logic in comparing auto insurance prices between companies. It's even more complicated than trying to figure out airline ticket prices.
There are hundreds of factors that companies use to determine rates. You pretty much have to get quotes till you get sick of it, then pick a company.
I get excellent rates from Progressive, but others I know get high quotes from them. It all boils down to what business they want and what they don't.
Text messaging takes too much concentration to do while driving. You can't steer a car, and think thru traffic while staring at an itty bitty phone screen and try to compose messages with all the keying needed. Especially young, inexperience drivers who should be paying full attention to the road.
Plus text messaging is dumbing down the population, I'm convinced. Some of the writing samples I've seen are just terrible.
It's really just a way for cell phone companies to make more money. You get a zillion callin minutes to actually speak to someone, but you have to pay extra to send a few letters? Makes no sense other than revenue generation.
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