Yeah, the “good driver” discount is kind of a letdown after you’ve been in the high-risk pool. It’s like they’re just giving you back what they took away, not actually rewarding you. I’ve seen people go five years clean and still pay more than their neighbors. The system’s not really built for quick forgiveness, unfortunately. Shopping around helps a bit, but you’re right—it’s rarely the miracle fix those commercials promise.
Honestly, insurance feels like a racket sometimes. After my ‘68 Camaro got rear-ended, my rates skyrocketed—even though it wasn’t my fault. Five years later, I’m still paying more than my neighbor with a minivan. Doesn’t seem fair, but that’s how they get ya… Shop around, sure, but don’t expect miracles.
Title: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Yeah, insurance math never adds up for car folks. I had a similar thing happen after my old Mustang got sideswiped in a parking lot—other driver’s fault, but my premiums still jumped. It’s like the system just assumes if you drive something “fun,” you’re automatically riskier, even if you’re not the one causing trouble. Meanwhile, my buddy with a beige Corolla pays next to nothing and he’s had two fender benders in the last three years.
Uninsured motorist coverage is one of those things that feels like an extra tax, but I get why Nebraska (and other states) require it. There are way too many people out there driving without any insurance at all. If you get hit by one of them and don’t have UM coverage, you’re basically out of luck unless you want to sue—which is a nightmare and rarely worth it for most accidents.
Still, it’s frustrating that your rates can go up even when you’re not at fault. The logic is supposedly that any claim makes you “statistically” more likely to file another, but that feels pretty lazy on their part. They don’t seem to care about context—just numbers on a spreadsheet.
Shopping around helps a little, but yeah... don’t expect miracles. I’ve found some companies are more forgiving than others if you call and actually talk through your situation, but it’s hit or miss. Sometimes they’ll drop your rate a bit if you point out your clean record otherwise or mention competing quotes.
At the end of the day, it feels like we’re all just paying for everyone else’s mistakes—and hoping we don’t get dinged again for something out of our control.
Still, it’s frustrating that your rates can go up even when you’re not at fault.
I get the frustration, but there’s actually a bit more nuance behind the rate hikes. When a claim pops up—fault or not—it signals to insurers that you’re in situations where accidents happen. It’s not just about your driving, but the environment you’re in, where you park, etc. I know, it feels like getting penalized for bad luck. But if it makes you feel better, beige Corollas don’t always get off easy either... they just blend in until the next incident.
I hear you—insurance can feel like paying for someone else’s mistakes half the time. But honestly, uninsured motorist coverage has saved my bacon more than once. Ever had a close call with someone who just took off? Curious if anyone’s actually used that coverage in Nebraska...
