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Dude, you are a trip, man
Year? Aren't there only a couple companies that offer annual plans instead of ty 6-month coverage? Like obviously throwing out USAA because most people can't get it, which other major companies offer this? Only one I know of is Liberty Mutual.
For full coverage on my 2020 Camry it was going to be like $5k per year. that.
Dude, you are a trip, man
Mine went up about $70/month for each car with Progressive (took off two older cars for two new cars in the past few months to be fair).
[QUOTE=Millennial_Messiah;10854002]Anyone else see a HUGE car insurance e between the last 6 month term and the upcoming one?
Seems like Texas hiked the state minimum liability big time.
After the discount I'm going from around $700 to over $1100 (for only 6 months, not the whole year) and that's with no new accidents, incidents, or changes in coverage. FFFFFFFFFFFFFFFUUUUUUUUUUUUUUUU[/QUO
"texas" doesn't hike rates, companies do.
Insurance companies make a lot of their money on bond investments. With rising interest rates, those bonds are worth a lot less, so they have to make up rates somehow, and there is just the fact that when claim costs go up, they have to make THAT up as well.
Almost all auto polices are annual policies. They just let you pay monthly because most people like that and don't have the financial discipline to save up money and pay once per year.
"democrat keynesian" :LOL
Inflation is due to a lot of reshoring industrial capacity. Get used to it, because China's demographics are imploding at the same time their government proves itself a bad faith, unstable partner.
DUIs will do that.
His driving history is as bad as his browsing history!
5 grand for a 2020 camry.. .yeah. I am guessing there are several tickets on his record.His driving history is as bad as his browsing history!
NopeHis driving history is as bad as his browsing history!
Failed attempts at picking on me
Quan ative easing, government spending, Trump Tariffs
but for some reason the prices didn't go up in 2019 in spite of the tariffs
ZERO tickets, zero criminal offenses.
Just hitting a deer 6 total times in the past 6 years, in 6 different states (actually 5 and 1 month at this point, and 1 is going to fall off after next month) &, therefore, 6 insurance claims. Though NOT MY FAULT. Just rotten luck.
But none of them at-fault to me and yet that stupid C.L.U.E. just generically labels them as "accidents" and allows them to more than double my rate. Even for ing liability. What the . I've never been in a crash with another car and never gotten a ticket.
Instead of focusing on forgiving ing student loan debt to plebs that signed contracts, how about abolishing the C.L.U.E. system?
That is not "bad luck" that is driving in places with deer, and likely faster than you should, if I were to guess. Both of which absolutely means it is more than fair to add to your risk profile.Just hitting a deer 6 total times in the past 6 years
That said, you should talk to an underwriter for your company, not just an insurance agent. UW does sometimes have SOME leeway, especially if you are with a company for a while.
Shop around a bit, you may find some company whose UW guidelines allow them to score you a bit lower. I have rarely seen UW guidelines (my work has me reviewing these on a regular basis, usually for car insurance) that would allow for that leeway, but the longer you have a streak without similar incidents, the more likely you are to be granted whatever leeway they have.
For some reason.
Think hard.
Not faster than I should. I don't speed. I barely cruise 2-3 MPH over the speed limit and in-car speedometers are always a couple MPH bullish anyway.
If i'm behind a truck instead of passing if they're going a few under especially on rural roads or if it's not broad daylight, i'll tailgate them. Gets good MPG and pretty much guarantees I won't hit the deer.
Driving in places with deer? Everywhere rural that's not desert has deer. Rural people pay LESS for car insurance vs. city people.
Talking to an agent/UW might be an option - though all 6 "incidents" are exactly pretty much the same, deer claims
Because we had 1.3% inflation that year in spite of the tariffs. Because government spending was low and we didn't have that stimulus crap that McConnell forced through in early spring 2020 which was re ed and unfair.For some reason.
Think hard.
another issue is, you get a huge "discount" (though still ungodly expensive) when buying car insurance online vs. calling a live agent, so you lose that "discount" and pay more when you have to talk to an agent vs. shopping online
It would be much cheaper to get a hunting license and a hunting lease!
One, sure, an accident, two, god hates you, but 6, that is poaching and game warden is obviously on to you with insurance company.
MM opined:
Quan ative easing, government spending, Trump Tariffs
but for some reason the prices didn't go up in 2019 in spite of the tariffs
----
RG was amused:
For some reason.
Think hard.
Sooo you can't think of any other reason inflation might have been mitigated in 2019? none at all?
Well, it definitely wasn't Covid, in spite of the slightly misleading nickname "COVID-19", which did not spread globally until February 2020 and did not achieve epidemic/pandemic level status until March.
It needs to be federal law that all major routes (interstate, US-routes, and state highways) have guard fences on the road side of trees on both sides to prevent animals especially deer from jumping into the road. That is human territory. The woods are animals' territory.It would be much cheaper to get a hunting license and a hunting lease!
One, sure, an accident, two, god hates you, but 6, that is poaching and game warden is obviously on to you with insurance company.
Well then?
So now you are in favor of big government, higher taxes to build/maintain fences, and big government overreach?
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