5-10mph over or go the speed limit?
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From: ON/NY
As for the insurance info about questionaires, I would be open to learn more about that and if that is something the insurance companies are doing. I was unaware that in the US companies use your credit rating yet in some provinces in Canada it is not permitted.
My biggest takeaway from this thread is that it seems like people want to speed and do not like driving the speed limit for IMO, reasons that they just don’t know how or can’t becuase they have no patience or no discipline. I do see some evidence regarding the idea that flow of speed is important and is somewhat related to safety and I have recently been more aware of the left lane going 10-15 MPH over the speed limit while the other lanes are closer to the speed limit. However, nothing suggests to me that going the speed limit and following the rules of the road is in fact unsafe. There are a lot of interpretations and variables involved.
Yours or other members takeaways and opinions might vary and differ....
Last edited by Toys4RJill; Jul 6, 2018 at 01:35 PM.
Lexus Fanatic
Joined: Nov 2011
Posts: 35,446
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From: ON/NY
What is the deeper question in this? Thought never crossed my mind, but an insurance company should cover you. From my understanding, the only time an insurance company will turn on you is if you are impaired, from that point on I understand you are not covered. But I am not 100% sure of that. .
Last edited by Toys4RJill; Jul 6, 2018 at 01:52 PM.
Lexus Fanatic
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From: Maryland
What is the deeper question in this? Thought never crossed my mind, but an insurance company should cover you. From my understanding, the only time an insurance company will turn on you is if you are impaired, from that point on I understand you are not covered. But I am not 100% sure of that. .
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Lexus Fanatic
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From: Maryland
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From: Virginia/D.C. suburbs
My biggest takeaway from this thread is that it seems like people want to speed and do not like driving the speed limit for IMO, reasons that they just don’t know how or can’t because they have no patience or no discipline. I do see some evidence regarding the idea that flow of speed is important and is somewhat related to safety and I have recently been more aware of the left lane going 10-15 MPH over the speed limit while the other lanes are closer to the speed limit. However, nothing suggests to me that going the speed limit and following the rules of the road is in fact unsafe. There are a lot of interpretations and variables involved.
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that just raises rates across the board. Insurance companies are like casinos. They don't lose.
Not saying you're not, but there's a difference between being bright, and wisdom coming from experience.
we'll change your username to Midas.
You've made a false dichotomy because they act on what they think they know. And what they think they know can be flat wrong. 
way to go on paid off cars. Although with interest rates still so low (for those, ahem, with good credit score), it can make sense to have car payments and free up money for other things. Amazon stock is up 70% in a year, a bit better than 5% on the car loan. one thing I'VE learned is there's many paths to success in life, and many that wouldn't work for me but work well for others. Also many roads to financial failure, sometimes through no fault of the person - things happen, including bad timing.
Not saying you're not, but there's a difference between being bright, and wisdom coming from experience.
we'll change your username to Midas.
Ive never said that credit scores were useless. And im not talking about what people think, because people can think one thing and do another. Im talking about what people KNOW, because they act on what they KNOW.
All my cars are paid off. I live in a modest house. I bring innovation to everything that I do. Im bright and young. I think I will do just fine with a 630 score.
one thing I'VE learned is there's many paths to success in life, and many that wouldn't work for me but work well for others. Also many roads to financial failure, sometimes through no fault of the person - things happen, including bad timing.
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From: Maryland
+1, there are lots of areas where speed limits are artificially low. I just stumbled across this article, from an insurance company no less, which does a pretty good job giving a quick explanation of this topic. http://blog.esurance.com/are-our-speed-limits-too-low/
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From: mo
+1, there are lots of areas where speed limits are artificially low. I just stumbled across this article, from an insurance company no less, which does a pretty good job giving a quick explanation of this topic. http://blog.esurance.com/are-our-speed-limits-too-low/
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From: Maryland
So I suppose “mob mentality” has taken over traffic engineers, the federal highway administration, state highway administrations, police departments, and Allstate insurance? Because they all believe that the 85th Percentile speed is the safest speed to travel, as has been cited in this thread multiple times.
You haven’t posted any sources to back up your position.
You haven’t posted any sources to back up your position.
Thread Starter
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Joined: May 2012
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From: mo
So I suppose “mob mentality” has taken over traffic engineers, the federal highway administration, state highway administrations, police departments, and Allstate insurance? Because they all believe that the 85th Percentile speed is the safest speed to travel, as has been cited in this thread multiple times.
You haven’t posted any sources to back up your position.
You haven’t posted any sources to back up your position.
Type in Google your state and search for the drivers manual. Download the pdf and let me know if it speaks about the 85%. Not all state are the same but I'm fairly certain that it will tell you to drive at the speed limit unless the weather or other factors influences the speed. Still, nothing about the 85 mentioned.