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Car insurance...a necessary evil

Updated on February 12, 2013

Buying car insurance...what a joke. I can't believe the questions these companies ask...and the fact that they are legally allowed to ask them is even more absurd and mind numbing. What difference does it make what my credit looks like, whether or not I'm singled and/or married, or even if I'm in school or not...you're not dating me, you're just insuring me...I really felt as if I was filling out an application for one of those online dating sites instead of purchasing car insurance.

I can't believe how much this crap costs...some of these companies wanted upwards of five hundred dollars a month to insure me...now I know Flo has to get her hair and makeup done, the gecko has to eat and State Farm needs the money to fund their anti-internet campaign (bonjour) but this is ridiculous. I say can the caveman...fire Flo...step on the gecko...and the general needs to be court-martialed...I would rather see stick figures selling the insurance and the monthly premiums drastically drop, rather than have all these flashy, funny and clever sales pitches.

Also, why can't I get my money back if I don't have any accidents while I'm insured with your company, okay maybe not all of it back, but at least half...I don't think that's asking too much. It's not like they have to do anything for my money, unless of course I have a claim, so realistically I'm just paying them in case something happens. This is like when mob takes money from small businesses to "protect" them, so I guess what I'm saying is insurance companies are the modern day mafia.

God forbid you do have to file a claim...even after paying them all that money...they treat you like as if you were their child who they walked out on years ago, and now you've come back looking for the support and love that's owed to you....they are basically deadbeat dads...and I don't know about you, but I think these bastards should be paying child support.

Car insurance companies...and necessary evil we can't avoid...unfortunately we are at their mercy and we can do nothing about it...we just have to grin and bare it.

MJM

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    • Miller2232 profile image

      Sinclair Miller III 

      5 years ago from Florida

      @Sunshine625 - I couldn't help but say that State Farm liner.

    • Sunshine625 profile image

      Linda Bilyeu 

      5 years ago from Orlando, FL

      Exactly why I'd nominate you...honesty is the best policy:)

    • MichaelJohnMele profile imageAUTHOR

      Michael John Mele 

      5 years ago from Seffner, Florida

      @Sunshine625 I got your back...just vote me in and we will win..and I promise I won't go the way of all the other politicians once I get in...my word is good.

    • Sunshine625 profile image

      Linda Bilyeu 

      5 years ago from Orlando, FL

      I think the rates would be high even without the commercials. Yes we do need someone to regulate the costs. I nominate YOU:)

    • MichaelJohnMele profile imageAUTHOR

      Michael John Mele 

      5 years ago from Seffner, Florida

      @Sunshine625 okay...I admit it...some of the commercials are funny and I do enjoy them, but don't you think they are part of the reason the rates are so high? I personally think we need someone to regulate these companines better, and make it more fair for the little guy/gal.

    • Sunshine625 profile image

      Linda Bilyeu 

      5 years ago from Orlando, FL

      I have used Geico for many years. They get my money and I am a careful driver (most days) and it's frustrating that I get nothing in return. Even if we did have to use them we have to pay the deductible first. That's bogus. I say we ban auto insurance. But, not the TV commercials!!! I like Flo and the geckos.

    • MichaelJohnMele profile imageAUTHOR

      Michael John Mele 

      5 years ago from Seffner, Florida

      @Miller2232 trust me...there is no such thing as an insurance company being a good neighbor...they are more like that annoying neighbor that blasts their music at 3 in the morning when you're trying to sleep.

      @teaches12345 so very true...God forbid we do have to use it, they drop us like a bad habit...someone really needs to regulate these companies better.

      @midget38 amen to that my friend.

      @CrisSp good luck...I just went through it myself...and it's not fun...not at all.

      @mary615 so very true...they do have us right where they want us...and they know that.

    • mary615 profile image

      Mary Hyatt 

      5 years ago from Florida

      Insurance of any kind is a necessary evil. The Ins. Cos, have gotcha! When my 18 yr. old son goes on my policy it will cost me an additional 150.00 a month because of his age and the fact that he is a male!

      Voted UP etc.

    • CrisSp profile image

      CrisSp 

      5 years ago from Sky Is The Limit Adventure

      This is a timely read for me as my car insurance is up for renewal next month. I actually have just received a reminder from them....the necessary evil. I have no claims at all and yet my premium goes up instead of down. What a fact of life!

      Sharing this on Facebook! Thanks.

    • midget38 profile image

      Michelle Liew 

      5 years ago from Singapore

      It's a necessary evil....one that causes us to be easily exploited too! Thanks for sharing, Michael!

    • teaches12345 profile image

      Dianna Mendez 

      5 years ago

      We pay for insurance but pray we never have to use it. How sensible is that? Anyways, our cars depreciate each year yet the insurance goes up accordingly. Enjoyed your post.

    • Miller2232 profile image

      Sinclair Miller III 

      5 years ago from Florida

      Like a good neighbor, State Farm is there. I would love to get that insurance.

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