this post was submitted on 20 Feb 2024
225 points (96.7% liked)

News

23296 readers
4355 users here now

Welcome to the News community!

Rules:

1. Be civil


Attack the argument, not the person. No racism/sexism/bigotry. Good faith argumentation only. This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban. Do not respond to rule-breaking content; report it and move on.


2. All posts should contain a source (url) that is as reliable and unbiased as possible and must only contain one link.


Obvious right or left wing sources will be removed at the mods discretion. We have an actively updated blocklist, which you can see here: https://lemmy.world/post/2246130 if you feel like any website is missing, contact the mods. Supporting links can be added in comments or posted seperately but not to the post body.


3. No bots, spam or self-promotion.


Only approved bots, which follow the guidelines for bots set by the instance, are allowed.


4. Post titles should be the same as the article used as source.


Posts which titles don’t match the source won’t be removed, but the autoMod will notify you, and if your title misrepresents the original article, the post will be deleted. If the site changed their headline, the bot might still contact you, just ignore it, we won’t delete your post.


5. Only recent news is allowed.


Posts must be news from the most recent 30 days.


6. All posts must be news articles.


No opinion pieces, Listicles, editorials or celebrity gossip is allowed. All posts will be judged on a case-by-case basis.


7. No duplicate posts.


If a source you used was already posted by someone else, the autoMod will leave a message. Please remove your post if the autoMod is correct. If the post that matches your post is very old, we refer you to rule 5.


8. Misinformation is prohibited.


Misinformation / propaganda is strictly prohibited. Any comment or post containing or linking to misinformation will be removed. If you feel that your post has been removed in error, credible sources must be provided.


9. No link shorteners.


The auto mod will contact you if a link shortener is detected, please delete your post if they are right.


10. Don't copy entire article in your post body


For copyright reasons, you are not allowed to copy an entire article into your post body. This is an instance wide rule, that is strictly enforced in this community.

founded 1 year ago
MODERATORS
 

Car insurance rates are surging as Americans struggle to pay for basic necessities and ongoing debt.

The newest Consumer Price Index shows car insurance spiked 20 percent year over year. The surge in pricing occurred after years of gradual price inflation, with earlier reports finding the rates grew by 36 percent since 2020.

That's at the same time debt is soaring for many Americans. While Americans hold around 1.75 trillion in student debt loans alone, they also have $1.05 trillion in credit card balances not paid off.

you are viewing a single comment's thread
view the rest of the comments
[–] admiralteal@kbin.social 24 points 9 months ago (2 children)

Those first two, the "people" are largely the auto manufacturers.

Smaller and cheaper cars are SUPER popular in the rest of the world and are literally not available at all in the US. The auto mfgs will tell you it is because of US preference, but in a country of 330 million, there doesn't need to be that much demand compared to these vehicles popularity in, say, a cheese-loving nation of 65 million. Even if they are immensely less popular, there is still MORE than enough market for some of these ALREADY-BEING-PRODUCED vehicles.

But the US auto mfgs refuse. They go bigger and more expensive. The US consumer has no real choice.

For your fourth and fifth, the "people" are US civil/transportation engineers. They must be stopped. They are a scourge. There's no culture of safe road engineering in the US. AASHTO are an association of insane fuckwits.

I am incredibly skeptical that the behaviors of US drivers are significantly different than anywhere else in the world. I'm pretty skeptical of worries over inspections or licensing requirements and am CERTAIN that additional police enforcement will only cause more mayhem and death and not protect any life. I believe it's almost entirely a problem of road engineering, urban design, and vehicle design.

[–] joekar1990@lemmy.world 5 points 9 months ago

Mfgs also don’t produce as many of the base trims so it limits choice further. Then on top of that the dealers tend to mark cars way up. Cars in general are just way overpriced since COVID started and some mfgs are still claiming supply chain issues so they artificially limit supply further.

[–] Passerby6497@lemmy.world 4 points 9 months ago (1 children)

To the point about manufacturers, it's also an issue with emissions laws, because smaller cars have more restrictions on emissions. So rather than figure out how to make cars run better, everyone is making bigger vehicles so they fall into a lower emissions requirement classes.

[–] admiralteal@kbin.social 2 points 9 months ago

But they do produce smaller cheaper cars that can follow those emissions standards - for markets like Germany or the Netherlands. They just refuse to go through the process of certifying and selling those same vehicles in the US market.

Not to be all tinfoil hat, but I think they have a gentleman's agreement to just not be competitive like that in the US market because they can get away with it. Because the US consumer is gullible and our Regulators are asleep at the wheel.