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Brad Said:

Will a police officer get lower insurance rates?

We Answered:

NO, A Good credit rating and good driving record will

Debra Said:

is there a small car insurance company serving washington state with low rates?

We Answered:

Try American Family. ( of Madison, Wis) They are excellent

Bernice Said:

Where can I find a list of insurance rates by make/model?

We Answered:

Rates can be effected by the type of vehicle. But, no two policies are the same. You can either contact many agents (which an agent is only affiliated with 1 company), or contact a producer/broker (who works with various carriers in one quote). THan you can play with different options and see the difference. Each insurance company will rate better for specific types of vehicles. So no two companies will be the same either.

Claudia Said:

What's wrong with car insurance?

We Answered:

Health issues do not always arise based on the irresponsibility of the individual. A person could still get cancer from any number of factors, or suffer a life-threatening injury that requires immediate treatment, through no fault of their own.

There is one key difference between car insurance and health insurance: car insurance covers virtually everything, while health insurance is highly selective. If your car is significantly damaged in a wreck, one need not worry...even if the car is completely destroyed, you're still covered. Your premium will rise a great deal, but you're covered nonetheless. With private health insurance, companies that place financial interests over your health can severely limit your coverage options. They can deny you for treatments that they deem to expensive, unnecessary, or experimental.

The human body is a much more complex machine than any car...problems can occur at microscopic and undetectable levels, and unlike cars, some problems cannot be treated easily or even treated at all. All the diet and exercise in the world will not prevent, say, leukemia. And what about pre-existing conditions? If your car has something wrong with it before you buy it, you can simply return it for another one, free of charge. If there's something wrong with you at birth, like sickle cell or diabetes, you can't sue your mother, or your genes...and insurance companies can deny you on the basis of this condition.

But the bottom line is, people are not cars. Cars can be crafted to exact specifications, and their flaws are entirely the fault of the humans who build and operate them...which is not a real issue, as so many cars have such uniform parts that they can be replaced at any time...the entire vehicle can be replaced with an exact replica if necessary. But each of the hundreds of millions of humans in this country is distinct, fragile, and irreplaceable. We cannot simply replace a person's DNA, or just remove cancer cells and put in healthy cells (yet...but of course those options fall under experimental treatments which insurance companies will not cover).

Car insurance theories cannot ethically be applied to human life. Keeping profits as a priority over vehicular health, another consumer product, is fine. But placing profit over human health is where society should draw the line.