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@slashin8r The number of clean driving years makes a huge difference. Can halve the cost.

@nusans My apologies, I think the conversation threads are getting lost due to being on mobile. I certainly used the adjective “shady” to describe the online-only insurance companies. To be clear, these are the insurers that are online only. AXA writes policies through online application, but...

@nusans Agree to disagree on your statement that “ It has nothing to do with online insurers being shady”, for the reasons I explain in the remainder of my message. Edit to add that I am not inferring that the experiences you describe are incorrect, and I am not trying to disagree with your...

@nusans I suppose we would have to agree to disagree. From my experience and from speaking friends and clients in the industry, the online auto insurers absolutely do offer more limited coverage that allow them more success in denying claims. They are charging 20-30% less, so I think this...

@nusans The online insurers can be shady like you describe. But the mainstream insurers are no different to insurance I’ve taken elsewhere. They will have stated rules in the policy for a write off. Mine is 50% of car value. But it was about 20 - 30% more than online insurance. Pay less get...

@ethzz And then, like the recent post on Japan life, if you have a minor collision you can threaten the person you crashed into that you will leave the country to “work and save the money” for a minor repair?

@jamessmith112 Depending on the vehicle, with a new license, I would expect 150,000 - 200,000 for a sports car. I have a gold license with almost 30 years of good driving history and I pay in that bracket.