Auto insurance rates for non binary kid

[Anonymous]

Anonymous wrote:

Anonymous wrote:And girls and women lose out yet again. Way to go progressives! You’re really helping us out here.

Fair is fair. Boys can be good drivers and girls can be bad drivers. Why should we pay more for boys! Tired of the boy hate.

Ever heard of actuarial charts? They’re based on the science of statistics. By your reasoning height differences shouldn’t exist between males and females. Wishing away differences doesn’t make them go away and makes you look stupid.

[Anonymous]

Anonymous wrote:And don't forget NHTSA:

As the [NHTSA] chart above shows, the fatal crash rate is highest for males aged 15–20...

https://www.chainlaw.com/what-age-group-causes-the-most-car-accidents/

So, sure no one should hate boys but perhaps they should pay more for insurance.

Kids who have accidents should pay more but kids who are good drivers for no reason.

[Anonymous]

Anonymous wrote:

Anonymous wrote:And don't forget NHTSA:

As the [NHTSA] chart above shows, the fatal crash rate is highest for males aged 15–20...

https://www.chainlaw.com/what-age-group-causes-the-most-car-accidents/

So, sure no one should hate boys but perhaps they should pay more for insurance.

Kids who have accidents should pay more but kids who are good drivers for no reason.

So you think there should be one standard rate for every driver?

Think about an example for life insurance. If I took out life insurance for 20 years for my 25 year old son, it is likely to be pretty low since his life expectancy at that point is more than 20 years. If he has a doc note that says he has no major health issues, that rate would drop even more. Do you seriously think I should be able to take out a 20 year life insurance policy for his grandmother who is 80 years old at the same rate?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Are auto insurance rates for teens/new drivers different by gender, and does anybody know if a non binary driver insurance rate is in between what’s charged for men and women? I’m in Maryland (with State Farm)

You might get into legal trouble if you attempt to "defraud" an insurance agent that way. Just saying, watch out.

If you are looking for legal trouble and a court precedent for some sort of discrimination, then by all means try it out. I'm sure you could find an attorney willing to take on a case such as that.

What are you talking about?

[Anonymous]

I have 16yo twins who were both recently added to our insurance- one boy, one girl. They were added at different times as DD got her license about 2 months later than he did. (Was really busy with her spring sport season)

I am too lazy too go and find the $ amounts, but the insurance went up a lot more when I added DS than DD. Off the top of my head, the cost for adding him was about 25%ish more than for her?

Same factors for both (good student discount and safe driving course completed), & we did not add any additional vehicles for them at this time. Just the additional drivers. GEICO.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Are auto insurance rates for teens/new drivers different by gender, and does anybody know if a non binary driver insurance rate is in between what’s charged for men and women? I’m in Maryland (with State Farm)

You might get into legal trouble if you attempt to "defraud" an insurance agent that way. Just saying, watch out.

If you are looking for legal trouble and a court precedent for some sort of discrimination, then by all means try it out. I'm sure you could find an attorney willing to take on a case such as that.

My kid’s gender is marked differently on MD license and U.S. passport because passport doesn’t allow for nonbinary. I guess I don’t really see the problem with specifying either given that it’s already mismatched.

What sex is your child? It’s on their birth certificate. THAT is what you should select on the pull-down menu when buying auto insurance.

Assuming your concern is coverage by your auto insurance in the event of an accident. Yes? Going with the insured’s sex would present the most airtight, non fraudulent case for payout.

You do not want to find out the hard way that your not covered by liability insurance when your kid causes $3 million in damages in a multi-car accident with fatalities— because you were overly concerned about misgendering and inclusivity that day you picked an insurance policy

This. I can’t believe you’re even questioning what to put down. Not the place go save a buck.

[Anonymous]

Anonymous wrote:Rates should be based on sex, not gender.

Gender is a social construct.

[Anonymous]

Anonymous wrote:

Anonymous wrote:And don't forget NHTSA:

As the [NHTSA] chart above shows, the fatal crash rate is highest for males aged 15–20...

https://www.chainlaw.com/what-age-group-causes-the-most-car-accidents/

So, sure no one should hate boys but perhaps they should pay more for insurance.

Kids who have accidents should pay more but kids who are good drivers for no reason.

Oh boy, do you know how insurance in general works? We all pay for natural disasters in other parts of the country. We all pay rate hikes due to others being very ill, even if our own health is good.

[Anonymous]

Anonymous wrote:

Anonymous wrote:And don't forget NHTSA:

As the [NHTSA] chart above shows, the fatal crash rate is highest for males aged 15–20...

https://www.chainlaw.com/what-age-group-causes-the-most-car-accidents/

So, sure no one should hate boys but perhaps they should pay more for insurance.

Kids who have accidents should pay more but kids who are good drivers for no reason.

I’m sure they do. But all young drivers and especially the boy ones are a bigger risk than older drivers so they pay more even before they have their first accident.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As much as we pay for our straight A responsible daughter, I can’t imagine a boy is any higher. It is A LOT.

In many parts of the country car insurance for teen boys is much, much higher.

Where? We live in flyover country. It’s the same for teen boys as it is for teen girls. And it’s all high.

We have USDA and she doesn't drive she listed as secondary drivers issuance and its around $200, try getting a good student discount.

We have USAA too and we pay $300 per month for a girl who is an A student

[Anonymous]

We did not get a lower rate with USAA for our daughter. They told me they didn’t rate by gender bc girls have caught up with boys accident wise as girls are higher users of cell phones while driving.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:And girls and women lose out yet again. Way to go progressives! You’re really helping us out here.

Fair is fair. Boys can be good drivers and girls can be bad drivers. Why should we pay more for boys! Tired of the boy hate.

Let me guess, you are one of those people who says we should educate ourselves, right? Here you go.

The Centers for Disease Control and Prevention (CDC) has noted that male drivers, particularly those aged 16-19, are nearly three times more likely than female drivers of the same age to be in a fatal crash.

Compared with female teenagers, crashes of male teenagers were significantly more likely to involve BACs of 0.08% or more (21% vs. 12%), speeding (38% vs. 25%), reckless driving (17% vs. 14%), night driving (41% vs. 36%) and felony crashes (hit-and-run, homicide, or manslaughter) (8% vs. 6%) (all χ2 p<0.001).
https://pmc.ncbi.nlm.nih.gov/articles/PMC3503410/

Ok but if the statistics differ by race, should insurance rates be based on race too?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Rates should be based on sex, not gender.

Gender is a social construct.

Which is why they should be based on sex.

[Anonymous]

Anonymous wrote:We did not get a lower rate with USAA for our daughter. They told me they didn’t rate by gender bc girls have caught up with boys accident wise as girls are higher users of cell phones while driving.

That’s what we were told too - not the cell phone part but that girls have caught up.