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Old 09-22-2016, 08:35 AM
 
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After reading this entire thread I now know why my auto insurance rates would be so high if I lived in the Louisville area. Ran some quotes earlier this year and last just to find out and I was shocked at how high they would be. Looks like I will be sticking with Covington, KY for now. Still a bit high but not outrageous.

BTW. On the subject of tail gating. Do some research into the psychology of that kind of behavior and you'll get a better understanding of why people do it. Essentially they are bullies.
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Old 09-22-2016, 08:48 AM
eok
 
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Originally Posted by WILWRadio View Post
On the subject of tail gating. Do some research into the psychology of that kind of behavior and you'll get a better understanding of why people do it. Essentially they are bullies.
Frustrated bullies. They want to hurt someone, but they don't dare. Bullies tend to be frustrated cowards. That's why you have to be careful with them, and slow down gradually, till they have a heart attack and drop behind. Because if you slow down too fast, they might go into a blind rage and ram your vehicle. People in a blind rage don't think about the consequences at all. All they can think about is killing someone.
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Old 09-22-2016, 08:51 AM
eok
 
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Originally Posted by WILWRadio View Post
Ran some quotes earlier this year and last just to find out and I was shocked at how high they would be.
My most recent bill from State Farm was between $200 and $210, for six months. How high were the quotes you got?
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Old 09-22-2016, 08:56 AM
 
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Originally Posted by eok View Post
My most recent bill from State Farm was between $200 and $210, for six months. How high were the quotes you got?
With a clean driving record, mine was something in the area of $175 a month. That was the lowest figure. Tried Progressive and one other insurer that I can't recall at the moment. One was actually higher than $175 a month.

Funny thing is that when I ran quotes for Pittsburgh they dropped by $100 a month. And the same for areas of Missouri. The Indianapolis area was about $90 a month. The Ohio side of the Cincinnati area was about the same as Pittsburgh perhaps a bit higher.

Can't figure out why my rates are so high for Louisville.
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Old 09-22-2016, 01:11 PM
 
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And earlier today, I had a Lexus on my tail pushing me...women drivers
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Old 09-22-2016, 01:15 PM
 
Location: New Albany, Indiana (Greater Louisville)
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Indiana side of Greater Louisville as the same drivers but car insurance is a lot cheaper due to different state laws.
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Old 09-22-2016, 04:35 PM
eok
 
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Originally Posted by veggienut View Post
And earlier today, I had a Lexus on my tail pushing me...women drivers
So turn off your engine and get a free ride.
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Old 09-22-2016, 04:52 PM
eok
 
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Originally Posted by WILWRadio View Post
Can't figure out why my rates are so high for Louisville.
I wonder if rates depend on the person's age. I know they partly depend on what car they drive. My insurance is liability only. I'm too frugal to drive an expensive car, so it wouldn't make sense for me to pay for collision and comprehensive insurance, when all I really need is liability.

I've heard they also take into account your credit scores, and whether you've had accidents or tickets. Also you can save some money by paying six months at a time. My monthly rate is around $35, from dividing my six month premium by six.

Part of why Kentucky is more expensive than other states might be that part of the premium is for taxes.

Geico is actually cheaper for me, if I only take car insurance into account. But State Farm gives discounts for having more than one kind of insurance with them. And that makes them cheaper for me overall.
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Old 09-22-2016, 08:58 PM
 
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Someone told me a long time ago, your insurance rates depends on the zip code you live in.

Also, if I get mad enough.....I turn on my emergency light and slow down or take the foot of the gas
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Old 09-23-2016, 06:08 AM
 
Location: New Albany, Indiana (Greater Louisville)
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Originally Posted by veggienut View Post
Someone told me a long time ago, your insurance rates depends on the zip code you live in.

Also, if I get mad enough.....I turn on my emergency light and slow down or take the foot of the gas
Louisville has small ZIP codes and if you move to a more urban ZIP you insurance goes up quite a bit. In my early 20s and car insurance in Lyndon was a bit more than Lexington. It went up a lot when I moved to the Highlands and then was sky high in Old Louisville. In hindsight I wouldn't live in Old Louisville just because my car insurance - despite a perfect driving record and having a cheap non sports car - was $150 a month or more. That's one hidden advantage living in the Victorian parts of New Albany IN has over a place like the Highlands, in Indiana the insurance is already cheaper (no fault state) and the ZIP codes cover each entire small city so you aren't punished for living in an urban area.
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