I discovered today that I am non-binary. Ask me anything - Kotaku In Action 2

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I discovered today that I am non-binary. Ask me anything (media.kotakuinaction2.win)

posted 234 days ago by SophiesBoyfriend 234 days ago by SophiesBoyfriend +104 / -0

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– ModsAreAIDS 28 points 234 days ago +28 / -0

This has to be fake. Actuaries and insurance companies are the last people who will put their feelings over the bottom line. They are some cold blooded motherfuckers to even get into that line of work.

And where do you people live and what do you drive to get quotes this high? I have full coverage on a car that I bought brand new, and my rates have been about $1250 per year for the entire time I have owned it. And it's a WRX so the rates are higher for it than some grocery getter due to all of the people who drive like idiots and wreck them.

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▲ 27 ▼

– ernsithe 27 points 234 days ago +27 / -0

Plausible. They charge women less for the same insurance and "non-binary" is women. My guess is this is actually an edit of Male/Female.

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▲ 20 ▼

– ModsAreAIDS 20 points 234 days ago +20 / -0

That's why I suspect it's fake. Women get in a dozen fender benders for every wreck that men get in, but men total the car when we do wreck. So the rates being different is completely data driven.

Since "non binary" makes it impossible to differentiate, every insurance company is going to default to the higher rate or they are going to lose money. And one thing insurance companies never do is lose money on purpose.

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▲ 17 ▼

– ernsithe 17 points 234 days ago +17 / -0

You're probably right.

But just for fun, what if their actuaries found:

Very few men are willing to select non-binary even if it means a discount.
The women who would select non-binary are willing to pay a premium to be "affirmed."

Then they wouldn't pass up the free money by putting a third classification in between male and female. It's exact premium determined by the balance between #1 and #2.

Edit: I found a reference to OP's image. https://ghostarchive.org/archive/svTif

To my surprise, they found "non-binary" to be cheaper than female.

Daily Mail has confirmed the trend - finding the costs of a comprehensive policy for a 2016 Hyundai i30 was about $730 cheaper for a 25-year-old non-binary customer than a male - bringing the cost from $2,300 per year to $1570. The same policy for a female customer was about $1,917.

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