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car insurance
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this post was submitted on 02 Apr 2024
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Learning to drive as part of high school is a super American thing that is really indicative of your attitudes towards driving and car ownership
It's pretty standard in Britain to learn to drive when you're 17. The testing seems to be much more rigorous than whatever happens in America though, and Anon would hopefully have lost their licence by now!
I suppose it is technically possible for Anon to have been ruled to not be at fault for all of those accidents, but that's like winning the lottery twice.
Unfortunately in huge swaths of America a driver's license is practically a necessity -- there are no realistic alternatives. A 30 minute to an hour drive to go to work or get groceries isn't uncommon.
Not in Hungary. Getting a category B license, which covers automobiles and mopeds, starts with a long course in driving theory, basic maintenance, and traffic laws, capped by an exam. Then a one-day first-aid training and exam. The next step is driving practice with a certified instructor -- basic skills on a practice course, then real traffic, plus parking and reversing maneuvers -- 30 hours total, which must include one hour of highway and one hour of night driving, and has a minimum required distance travelled, ending with a one-hour exam with the instructor and an examiner employed by the state. Next you have to pass a medical exam (sight, hearing, balance), and THEN you can apply for a driving license.
All in all, it took me about six months and cost 150,000 HUF (~400 USD using today's conversion rate). I passed the driving exam on the second attempt -- the first failed because I didn't yield to an old beater with a busted indicator light.
Also, just for comparison, when I started driving, my insurance was around 170 USD a year and it's only gone down. $500 per month is fucking absurd.
We're no where near $170 a year but $500 is very high. I haven't had a ticket or accident in about 15 years, I think insurance companies can only go back 6 years, and I'm paying about $75 per month.
that has to be liability only
For someone who's over 25 with a clean driving record you can get good coverage for one vehicle for about $500/6 mo. My wife and I have no tickets and 1 accident (deer on a county highway on a blind curve, completely unavoidable, but totaled the car) and our rate hasn't changed in the 3 years since we last made any adjustments
yeah the cheapest I can find is 300 month. yes i have clean record.
I have full coverage with decently high coverage values (above minimum across the board, some substantially so)
I pay 60/mth, but I have a flawless driving record (driving since 04, not so much as a ticket) and live in a rural low cost state so that may factor in.
Wow, 400€ is good, I (or rather, my family) paid about 4000€, and that was even with passing every exam the first time and generally being a good student. But I'm from Germany, not Hungary. Still, that can surely not account for such a vast difference, can it?
It can, easily. Hungary is cheap, both the wages and cost of living (although the ratio of the two is getting worse every day), compared to the rest of Europe and even many former Soviet republics. Foreign companies are flocking here for cheap, skilled labor. That 150,000 HUF was a significant part of the average gross monthly salary at the time.
Your info is outdated. A the cost starts at 300k, assuming they only need the minimum required driving hours to pass. Which is rarely the case.
That's insanely cheap insurance, I pay that to insure a vehicle that is parked up and not driven.
Y’all have to hear to drive?
You don't?
We have to show that an imperfect hearing is not a hindrance, e.g. you won't hear a siren coming from the left when it's from the right.
Nah I’m hard of hearing and allowed to drive without hearing aids. All our traffic signals are predominantly visual and sirens are treated as a secondary component to the flashing lights. Hell, cops often only use the auditory components when the visual has failed, the visual never fails for me because I understand that I absolutely must rely on my eyes when driving.
So actually this is an area of professional interest to me and yeah, it’s often horrifying how easily many systems could incorporate visual sirening but choose not to. Fire alarms have flashing lights in every workplace in my country, but tornado sirens basically never do.
In as car centric of a country as America it would be a fairly extreme injustice to prohibit the deaf from driving if we’re able to effectively use visual signals within a reasonable margin of error (I’d say so long as our best drivers are better than the average hearing driver)
i mean, in fairness, how would you incorporate non auditory sirens into a tornado siren?
Flashing blue lights with a pattern mirroring the rhythm of the siren. So a slow undulation of luminosity of blue lights. If you see something like that out of nowhere you’re gonna know something is wrong, it isn’t a fire, and if you don’t recognize the pattern to do as others are.
As a bonus, put them under the fire lights with a blue backing and the word tornado in white.
ok and what do you do when you are not in range of a tornado siren to see it? Where i live we can hear them, but cannot see them. Only in particularly nearby circumstances would you see one.
In a building i suppose that would work though, usually there are plenty of other indications there. Like other people. Also i probably wouldn't explicitly label them as tornado, unless you're in the US. Extreme weather perhaps elsewhere.
Well considering I’m treating this as an and not an instead… so probably whatever was happening then? Combining sensory outputs in alarms and sirens saves lives because different senses have different merits and not everyone has every sense. There is no perfect warning except forewarning and when you hit the “evacuate or seek shelter” stage of an emergency any leg up is valuable
I went with tornado siren in a building as my frame of mental reference as in my part of the United States workplaces and other similar gathering places often have mandatory audio-visual fire alarms and mandatory audio tornado sirens. These are our two drills. These are our emergencies, and one leaves me absolutely fucked if I’m not wearing my hearing aids at the time.
nah i get it, i just don't think it would do much in many cases. Especially considering that everybody has a phone these days, with a third sensory addition. Those usually tend to also notify people about severe weather events as well.
Because you should never trust personal handheld devices to do the job of final warnings. My phone is on do not disturb at work. Many people do that. Sometimes people leave their phones in meetings. No phones are allowed on basically any factory floor unless it’s a work phone that like 1% of employees get.
So I’m an industrial engineer in addition to being deaf and one of my major professional focuses is actually human factors and as it pertains to the disabled it becomes extra important. So yeah this is basically all industry wide known to be better. So why is the fire flashy and the tornado not? Because both follow the legal minimum. I think workplace legal minimum should be raised so that any mandatory audio signal should contain a visual signal that shares the beat of the audio signal.
i mean, that's definitely fair, in the instance of something like factory, having some sort of global warning system would be advantageous. Does this stem from the recent tornado that hit a factory floor in indiana and killed like 100 people or something i think it was? If so that would make sense. There was definitely a significant issue in that scenario.
Outside of something like work or an institution though im not sure.
No I’ve actually pitched this idea to safety departments for years. Also I’m a Midwesterner, there’s always dead factory workers thanks to a tornado.
And like I do actually think that flashing lights in certain areas can be a good idea outside of work and institutions but it’s important to keep in mind how big of a net work and institutions are. It’s a third of your time for most of your life.
there are definitely instances outside where it would be productive, but then again, as midwesterners i swear going outside during a tornado warning or watch is like a genetic feature of our DNA or something.
Not necessarily, but the state then requires proof that the reduced hearing (1) does not impact balance, and (2) can be compensated sufficiently by the driver (e.g. actively looking out for blinking blue lights because they cannot hear the horn of police/ambulance/fire brigade vehicles).
My wife didn't even do drivers' ed, since she didn't get her license until after high school. She just had to pass a test and got her license that day. I did the whole drivers' ed thing, but it barely prepared me at all, and I ended up getting into 2 accidents while still in high school since I just didn't have the experience to deal with unusual situations, and I locked up when I happened to get into a couple dangerous situations. Luckily we're both experienced drivers by now 10+ years later, but yeah, those first few years are basically just learning how to drive by driving, being a danger to everyone.
curious what those two accidents were caused by.
Tailgaters. I was terrified that if I slowed down too quickly they'd smash into me, so one time I took a turn too fast and crashed into a car I couldn't see because of a hedge, and the other I didn't brake quickly enough to stop for a guy who suddenly realized he wanted to take a left turn right then. I eventually told myself that if tailgaters crash into me, that's their problem for being so close behind me, and I just need to focus on what I'm doing.
ah, yeah that sounds about right. Tailgaters are the worst shit dude.
NL here: driving education is something you have to do at driving schools, separate from regular schools. Getting your license requires a written exam (traffic rules, hazard recognition, stuff like that) and a practical exam, with both the practical and all lessons done in regular traffic. If you see a car with a blue square sign with a white L in it, that's a student driver.
It also costs a few thousand euros to go through the process. Though getting your license for cars does often get you a license for some other vehicles. Mine came with a moped license.
Sounds the same as the US, although zero lessons required and costs like $45 or something.
In the USA some states don't require licensure for mopeds and similar pedal operated vehicles.
Umm my insurance gives me a discount if I take a refresher course every two years or so. It wasn't really hard to do.
Brazil: You need to do psych and eyesight evaluations, 40 hours of classes, 20 hours of practical lessons ( you need separate practical lessons for cars, bikes, semis etc) and tests for both.