The state of California requires that I maintain a minimum level of liability insurance on my vehicle. I completely agree but the state makes this requirement, then abandons me to the tender mercies of the private insurance companies. Since it’s the state that requires liability insurance, I argue that it’s the state’s responsibility to provide that insurance through a state agency. In effect, the state agency would serve as a nonprofit insurer, responsible to the voters. We could expect lower, fair and consistent premiums with an avenue for appeal to a neutral adjuster.

I’m paying a whopping 54 cents a mile for minimal liability insurance with an unblemished driving record and no limitations on my license. If you drive 10,000 miles a year, at that rate, you would be paying $5,400 a year for liability coverage. In two years, my rates have been raised 29 percent with absurd and opaque “explanations.” At first I was told there had been an “across-the-board mandate,” then later, that I had been put into a mysterious “pool” of drivers. Huh?

Despite the unctuous TV ads telling us how much they care about us, the insurance companies goals are simple — maximize income while minimizing outgo. I can easily pay this bloated premium but being gouged sticks in my craw and I’m guessing that most of you feel the same way. Is there a way we can petition our Assembly to give us state-provided auto insurance? Can we go through a referendum process and put a proposition on the ballot? Or are we just helpless captives of the insurance companies?

(12) comments

Blayd

Compared to policies that I had on the east coast, with equal or better coverage which INCLUDED coverage for glass breakage. I watched the policy double in price for same exact vehicle without coverage for glass breakage. That said: unless your driving an exotic car or some other high value vehicle with no deductable and other berserk coverages, fifty-four cents per mile driven is beyond nutz. Sounds like a livery vehicle rates for Boston or NYC. I gripe about my yearly rate doing 20,000 annual miles with respectable coverage and a blemish free record. It's not remotely near $.54 per mile. Evidently this area pays Los Angeles rates so I am told by my underwriter. Part of it is the vast amount of uninsured drivers AND your fellow drivers that drive like absolute MORONS. Defensive, safe, polite, courteous driving helps. Shopping around for insurance would help also. I use a LOCAL broker for my insurance needs. They work hard to keep me well advised and well insured at the best possible price.

dvg

I pay $3600/year for insurance with higher than the minimum coverage ($100K/$300K or maybe better; been a while) and collision coverage on two cars and a truck. I drive about 15K/miles per year between them. Sounds like you are very young, have a bad driving record, or just need to find another carrier.

CheRojo

A state-run auto insurance policy would probably have high rates and lousy coverage like the California Earthquake Authority.

horsehouse

I too am at a loss for why the author is paying so much with his excellent driving record. I have four vehicles ranging in age from 2002-2018. I only carry liability on two vehicles and full coverage on the other two. Based on a mileage calculation I’m paying about 13 cents per mile. I agree that insurance companies are no friend of consumers and maybe a State plan would be good. Can’t say because I don’t have the details to analyze. BTW, earthquake insurance seems reasonable even with the high deductibles and the Cal Earthquake Authority will need every penny collected when the “big one” hits. Personal choice to purchase that of course.

Mike

Yea! - what you all said and then some - I can only drive one car at a time so why can't my policy cover my second car... without additional cost?

CheRojo

Your other car could be stolen, vandalized, or somehow otherwise damaged even if you aren't driving it.

Mike

While parked in my garage?

CheRojo

Yes.

Mike

Not too freaking likely CheRojo. And isn't risk what priemiems are supposed to be based on? In any case It's the liability coverage, the part required by law (PL&PD) that per



That protects the public from my driving errors, that I'm complaining about. what difference does it make respecting my liability if I have multiple vehicles. I can!! be the idiot behind the wheel of more than one at a time... ever!

CheRojo

OK, so you don't understand how insurance works. Let's just move on.

Blayd

I suppose given the average Morongo Valley driver the potential is there to be able to drive two vehicles at the same time. It's probably a "Top Gear" episode.

If you want to have transferrable insurance for only the vehicle "due jour" then a "dealer" plate is one option. Don't see many of them in this state. East coast they were an option, and mandatory if one conducted excessive amount of vehicle transactions. Personally I ran commercial plates on everything for parking zones, Boston bypass tunnels, fleet discount insurance, AND no "points" for traffic tickets.

Mike

- “OK, so you don't understand how insurance works. Let's just move on.” -

Move on? That ain’t cool, CheRojo! I made an effort to explain what I thought you didn’t understand.


Welcome to the discussion.

Keep it Clean. Please avoid obscene, vulgar, lewd, racist or sexually-oriented language.
PLEASE TURN OFF YOUR CAPS LOCK.
Don't Threaten. Threats of harming another person will not be tolerated.
Be Truthful. Don't knowingly lie about anyone or anything.
Be Nice. No racism, sexism or any sort of -ism that is degrading to another person.
Be Proactive. Use the 'Report' link on each comment to let us know of abusive posts.
Share with Us. We'd love to hear eyewitness accounts, the history behind an article.