All taxes are theft and should be abolished. Especially the taxes that don't dare call themselves a tax, like car "insurance".
With property taxes, short term, there should at the very least be a compromise that when my home is paid off, and I have no school aged children, my property taxes end.
I see little reason for grandparents to have to continue to pay 12k per year to live in the home they paid off 35 years ago.
Insurance by nature is something of a legitimate shell game. You’re paying a lower fee to buy into a risk pool.
There may be another way to do it that’s better, but if you just pay one flat fee to cover one upcoming event, they would just price the policy accordingly, and it would probably be a good bit higher than it is now.
They’re certainly not a perfect industry, but the parts that are genuinely widely corrupted are the parts that are tied to government.
There are some good resources out there for learning the basics of insurance that aren’t too hard to understand if interested, can easily learn base level stuff in a few days. Some ancaps used to see insurance as a tool to undercut a lot of government.
The way to fix it admittedly transcends insurance itself.
There are many issues that could be fixed by going after the supposed cause of insurance hikes. Obviously, that's not going to happen.
However, how about capping my rate at my quoted price if I incur no infractions? I've had to switch insurance yearly or bi yearly for over a decade because of the crazy hikes they try to sneak on people who don't care to notice.
All taxes are theft and should be abolished. Especially the taxes that don't dare call themselves a tax, like car "insurance".
With property taxes, short term, there should at the very least be a compromise that when my home is paid off, and I have no school aged children, my property taxes end.
I see little reason for grandparents to have to continue to pay 12k per year to live in the home they paid off 35 years ago.
“But without car insurance, who’s going to pay for my car if someone hits me?”
“YOU would, and that’s why YOU, as a RESPONSIBLE person, would still carry your own car insurance.”
“But if they hit me, my rates will go up.”
“You cheap fool. Your rates have already gone up by virtue of higher demand by mandate, and by them not having to compete for customers.”
Idiots. Idiots everywhere.
It's a wonder that we can't just carry over the money from year to year if we haven't had any infractions...
Oh that ruins the business model. I forgot.
Insurance by nature is something of a legitimate shell game. You’re paying a lower fee to buy into a risk pool.
There may be another way to do it that’s better, but if you just pay one flat fee to cover one upcoming event, they would just price the policy accordingly, and it would probably be a good bit higher than it is now.
They’re certainly not a perfect industry, but the parts that are genuinely widely corrupted are the parts that are tied to government.
There are some good resources out there for learning the basics of insurance that aren’t too hard to understand if interested, can easily learn base level stuff in a few days. Some ancaps used to see insurance as a tool to undercut a lot of government.
The way to fix it admittedly transcends insurance itself.
There are many issues that could be fixed by going after the supposed cause of insurance hikes. Obviously, that's not going to happen.
However, how about capping my rate at my quoted price if I incur no infractions? I've had to switch insurance yearly or bi yearly for over a decade because of the crazy hikes they try to sneak on people who don't care to notice.
Then why have property tax at all? Wouldn't it be better to use a sales tax?