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this post was submitted on 01 Sep 2023
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No Stupid Questions
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The longer you have your license, the cheaper your car insurance will be if you do eventually get a car. From the point of view of an insurance company, having the license and never driving is exactly like having the license, driving a lot, and getting zero tickets or accidents.
I've been driving for 30 years, no accidents, and my yearly insurance comes out to a little less than $900. I imagine it would be similar if you just never actually drove a car.
Here in Norway insurance is bound to how long you had your insurance, not the drivers license. If you've had the insurance for 7 years without an accident you get the cheapest price. And if you have it for 4 more years accident free you don't lose the 7 years if you have one.
The same is generally true in us as long as you stick to the same insurance company.
In Sweden it's basically tied to the age of the driver.
Yeah, age of the driver, size of the engine and age of the vehicle also factors in, but the bonus you get per year of accident free driving is a big part.
Not here. No accidents in decades and insurance sky high because Florida. Most of the cost is for "uninsured motorist". More uninsured motorists make it higher, and the higher cost makes more uninsured motorists, and round and round we go.