Insurance rates change depending where you are and who you are. 250 a month per vehicle for full coverage where I am. We just dropped coverage to minimum on one of them and it went down barely 15%. Shopping around found only higher rates somehow. I think insurance agencies are colluding to fix prices.
Comment on Great Depression: Part Deux
SupraMario@lemmy.world 5 months agoHighschool needs to teach financial literacy. $200 a month for insurance is insane. I pay that for 3 vehicles on full coverage (older trucks and suv, but damn).
Not saying this guy is wrong to be pissed but I see a lot of people who just don’t understand how to shop around for shit and just eat the cost.
Rekorse@sh.itjust.works 5 months ago
SupraMario@lemmy.world 5 months ago
O they absolutely collude on pricing, but $250 a month for full coverage means you’re probably driving a nearly brand new car…just why. Why does everyone buy the latest and greatest constantly and then cry about how much shit costs.
Rekorse@sh.itjust.works 5 months ago
Nope, ones a 2015 and the others a 2017. I bought the 2017 for under 10k.
SupraMario@lemmy.world 5 months ago
That’s crazy, it means you’re going to write off the entire worth of the vehicle in 2 years time. The hell do you live that you’re paying $500 a month for 2 vehicles? Or do you have a shit driving record?
moseschrute@lemmy.world 5 months ago
How tf do you shop around for insurance.
My employer: you have 3 options. The high deductible HSA plan, the medium deductible plan, or the low deductible plan.
Even if there are other options that aren’t subsidized by my employer, you can’t change your plan most of the year because of fucking open enrollment.
How is this user error and not America being America?
SupraMario@lemmy.world 5 months ago
Car…car insurance, it’s why I called out we needing single payer healthcare. This video was a dude bitching about car insurance.
moseschrute@lemmy.world 5 months ago
LOL guess I just proved Americans are illiterate cause I reread the comment and it clearly said car insurance
SupraMario@lemmy.world 5 months ago
Lol you’re good, we do need to spend a lot more on our education system though.
Malfeasant@lemmy.world 5 months ago
people who just don’t understand how to shop around for shit and just eat the cost.
The problem is, you can shop around and find a good deal, but that good deal is “introductory”, only for new customers, so after a while the price goes back to “normal” and you have to do it all over again. Then you have to do that for every damn thing, it gets pretty tiring.
SupraMario@lemmy.world 5 months ago
Yea usually you gotta do it every few years.
djehuti@programming.dev 5 months ago
$200 a month for insurance is peanuts if you have a teen on your policy. Our premiums tripled when we added our 16yo. He’s 24 now, so pretty soon we’re going to remove him from our policy and enjoy the savings.
SupraMario@lemmy.world 5 months ago
16 year olds shouldn’t be driving anyways, so I’m not surprised your premiums went up. Also…24 and you’re still paying for his insurance???
djehuti@programming.dev 5 months ago
In my state, it doesn’t matter if he’s 25 or 55. If he drives my car regularly he has to be on my policy for my car. That’s the law. He has his own policy, for his own car. I don’t ever drive his car, so I’m not on his policy. But since his car is a Mini, he borrows mine a lot too. And I don’t like committing insurance fraud, so I follow the law.
Dunno where you are, but in the US, 16 year olds drive.
And every kid and every family is different. You parent your child, and I’ll parent mine. You’re not even entitled to even form a fucking opinion on my parenting.
SupraMario@lemmy.world 5 months ago
The car is insured, not the driver. Your comment made it sound like you still had him on your policy for his car.
In the USA, and while this is correct that they can drive, they shouldn’t be. Just as when someone hits 65 they should be required to take yearly driver courses. A vehicle is not a right it’s a privilege. We should have mass transit and the same level of driving requirements the EU has to get a license. Way to make people absolutely fucking suck at driving, and unfortunately the elderly and teens make up the majority of crashes.
No where did I question your parenting. I made a comment about an over all belief that kids need more responsibility these days. Calm down padre.
djehuti@programming.dev 5 months ago
Thanks, I will certainly give your parenting advice the credence it deserves.
Aneb@lemmy.world 5 months ago
In most states the guardians can pay insurance for their dependent up until 25, at least for healthcare and the parents are probably extending that to their son’s car insurance, generously. My mom kicked me off her plan when I was 23, but I’ve always had to pay for my car’s insurance
SupraMario@lemmy.world 5 months ago
18 here but at that age kids gotta grow up. Helping them financially when they get into a pickle is one thing but not teaching them what stuff costs sets them up for a world of hurt.