The Glorious Return of a Humble Car Feature

Re:The Glorious Return of a Humble Car Feature by zamnos on Thursday April 27, 2023 @05:12AM (#35725312)

Do auto insurance rates on touch screen cars show this to be the case? Cars with touch screens have been around long enough that they should have data, and consequently be charging more for insurance on those cars if they are is that is indeed the case.

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Re:The Glorious Return of a Humble Car Feature by satellite2 on Thursday April 27, 2023 @05:29AM (#35725479)

They are. But car with touchscreen are more powerful which is always linked to higher fees. So hard to say which feature causes what.

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Re:The Glorious Return of a Humble Car Feature by jml78 on Thursday April 27, 2023 @06:43AM (#35726076)

I owned a new honda civic before I bought a Tesla model 3.

It is only one data point but my insurance went down when I got the Tesla.

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Re:The Glorious Return of a Humble Car Feature by xmcqdpt2 on Thursday April 27, 2023 @07:09AM (#35726277)

Auto insurance models like many other insurance models are often not that smart. The insurance company will charge more of there is more claims payout, but they also want to attract certain client segments and compete with competitors.

Also, claim rates have all kind of confounding factors. Maybe a car is safer but more prone to theft, or more dangerous but easier to repair, or has better controls but is driven by inexperienced drivers etc.

They need to make a profit over their whole insured client population, not necessarily over any given segment or car model, so I wouldn't use insurance rates as data points in determining car safety without a lot of caveats.

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Re:The Glorious Return of a Humble Car Feature by LorenPechtel on Thursday April 27, 2023 @01:16PM (#35731391)

Yup, what sort of driver a given car model attracts is a substantial factor in the rates. Just try to insure a sports car to see this!

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