4 ms·

Of course they don't want to consider time off the road. Historically they've never had a way to monitor it but now they can they for sure don't want too. It wi

Of course they don't want to consider time off the road. Historically they've never had a way to monitor it but now they can they for sure don't want too. It will cut in to their profits. Like my car has been in my garage for 2 months on a battery tender and will probably be there another 2 months before I drive it because I'm out of the country. Even when I'm home stores and food are walking distance. My main driving was too take a fried to work and shopping, but now she has her own car if we go out she drives.

bdw5204 4y ago
That's one reason why I have no interest in purchasing a car or even getting a driver's license. If I can live in a walkable area with public transit and just walk or take the train/bus everywhere, I can save an enormous amount of money by not owning a car. If you're not using a car on a regular basis, it is probably much cheaper to just sell the car, cancel your insurance and use Uber or Lyft when you do need a car.
- Broken_Hippo 4y ago
  Living in such an area is a luxury. I didn't have access to this stuff until I moved out of the US and into a larger town. Small to medium sized towns in the Midwest aren't exactly known for having public transportation or things conveniently located. Sure, the small towns are walkable, but you might have to drive 25 minutes to buy shoes. And even here, if I move out of town, I realistically will need a car. But it isnt a given since I'm also more likely to have access to intercity bike paths, trains, and a few inconvenient busses.
- dazc 4y ago
  You should get your licence and own a car for a year - just a cheap one. Then see how enthusiastic you are about public transport and taxis. Fancy a day at the beach, a trip to see friends/relatives, just a day off for the hell of it. All of this is a snap decision if you own a car and a pain in the arse if you don't.
  - cbozeman 4y ago
    Couldn't agree more. Even in a "walkable" city, like say Miami, you still want a car for a multitude of reasons.
    - panick21_ 4y ago
      American standards for walkable and normal standards for walkable aren't the same.
  - plorkyeran 4y ago
    I had a car for about five years, and now haven't for about ten. I don't miss it in the slightest. Maybe in the days before convenient short-term rental carshares I'd want a car for those rare trips that really benefit from one, but it's not actually a big deal to walk a block or two to pick up a car for the day.
  - panick21_ 4y ago
    [flagged]
  - earthling8118 4y ago
    I've owned a car for a decade now. Within the past year I finally moved somewhere with access to transit. It's been the greatest thing ever. The transit here isn't even that good, but it is entirely liberating compared to driving. I can get basically anywhere I need and I don't have to pay attention to the road at risk of my life. My vehicle is just an expensive toy to me at this point and I'd rather it not exist. I don't want it. At all.
  - ThePowerOfFuet 4y ago
    This is hugely dependent on where you are; living in a major city in western Europe, a car is a ball-and-chain for me because the transit is fabulous and dirt cheap (and alcohol isn't a factor).
- cbozeman 4y ago
  Someone really needs to pioneer Car-As-A-Service, but I guess that's what Elon Musk is trying to do with Tesla Autopilot... after all, if you have a car that can be summoned in an app, you can just use it when you need it, then send it on it's way once you're done.
harvey9 4y ago
I'm in the UK and they've always asked how many miles I expect to drive during the policy. I just bought a policy today and for the first time they asked if I drive during peak hours. This is not a black box policy - they can't directly monitor either of those variables. But if I make a collision claim then they will ask where and when it occurred.
- dazc 4y ago
  'I'm in the UK and they've always asked how many miles I expect to drive during the policy.' The other year I put down 10K as rough estimate and after 4 months realized I'd already done 8K. Changing the policy to cover a more realistic 20K incurred an additional fee of something like £7. From this I reckoned mileage isn't a huge issue. Driving peak hours, as a risk factor, wouldn't surprise me at all given the general standard of driving by people who appear very anxious about being 30 seconds late to work.

bdw5204 4y ago

That's one reason why I have no interest in purchasing a car or even getting a driver's license. If I can live in a walkable area with public transit and just walk or take the train/bus everywhere, I can save an enormous amount of money by not owning a car. If you're not using a car on a regular basis, it is probably much cheaper to just sell the car, cancel your insurance and use Uber or Lyft when you do need a car.

Broken_Hippo 4y ago
Living in such an area is a luxury. I didn't have access to this stuff until I moved out of the US and into a larger town. Small to medium sized towns in the Midwest aren't exactly known for having public transportation or things conveniently located. Sure, the small towns are walkable, but you might have to drive 25 minutes to buy shoes. And even here, if I move out of town, I realistically will need a car. But it isnt a given since I'm also more likely to have access to intercity bike paths, trains, and a few inconvenient busses.
dazc 4y ago
You should get your licence and own a car for a year - just a cheap one. Then see how enthusiastic you are about public transport and taxis. Fancy a day at the beach, a trip to see friends/relatives, just a day off for the hell of it. All of this is a snap decision if you own a car and a pain in the arse if you don't.
- cbozeman 4y ago
  Couldn't agree more. Even in a "walkable" city, like say Miami, you still want a car for a multitude of reasons.
  - panick21_ 4y ago
    American standards for walkable and normal standards for walkable aren't the same.
- plorkyeran 4y ago
  I had a car for about five years, and now haven't for about ten. I don't miss it in the slightest. Maybe in the days before convenient short-term rental carshares I'd want a car for those rare trips that really benefit from one, but it's not actually a big deal to walk a block or two to pick up a car for the day.
- panick21_ 4y ago
  [flagged]
- earthling8118 4y ago
  I've owned a car for a decade now. Within the past year I finally moved somewhere with access to transit. It's been the greatest thing ever. The transit here isn't even that good, but it is entirely liberating compared to driving. I can get basically anywhere I need and I don't have to pay attention to the road at risk of my life. My vehicle is just an expensive toy to me at this point and I'd rather it not exist. I don't want it. At all.
- ThePowerOfFuet 4y ago
  This is hugely dependent on where you are; living in a major city in western Europe, a car is a ball-and-chain for me because the transit is fabulous and dirt cheap (and alcohol isn't a factor).
cbozeman 4y ago
Someone really needs to pioneer Car-As-A-Service, but I guess that's what Elon Musk is trying to do with Tesla Autopilot... after all, if you have a car that can be summoned in an app, you can just use it when you need it, then send it on it's way once you're done.

harvey9 4y ago

I'm in the UK and they've always asked how many miles I expect to drive during the policy. I just bought a policy today and for the first time they asked if I drive during peak hours. This is not a black box policy - they can't directly monitor either of those variables. But if I make a collision claim then they will ask where and when it occurred.

dazc 4y ago
'I'm in the UK and they've always asked how many miles I expect to drive during the policy.' The other year I put down 10K as rough estimate and after 4 months realized I'd already done 8K. Changing the policy to cover a more realistic 20K incurred an additional fee of something like £7. From this I reckoned mileage isn't a huge issue. Driving peak hours, as a risk factor, wouldn't surprise me at all given the general standard of driving by people who appear very anxious about being 30 seconds late to work.