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Edited by ghettosquad:
8/14/2015 7:57:41 PM
5
if your paying a couple grand a year for auto insurance your paying too much either because your high risk or a youthful driver.
not all insurance companies are like bottled water where you just wanted the cheapest.
geico, progressive, allstate are the absolute worse companies to get insured with.
State farm and USAA are the best.
Pemco and AMFAM are ok and worth the risk.
here are some tips to save money on car insurance.
1) stay with a company for longer than 1 year before you switch. companies rate you as a higher risk if your not with the same company for at least a year.
2) if your 25 and under and have questionable morals say your single with a kid. the insurance companies will rate you as an adult verse a youthful driver because the thinking and statistics show that this demographic are safer drivers because they have children to protect.
3)get life insurance. you have an insurance score like a credit score and having life insurance makes that score look tremendous. also getting life insurance while young is one of the best things your 62 year old self and family will ever thank you for.
4) before you switch companies change your liability limits to 250/500/100 and have them send you a dec page. once you have that dec page call around for quotes and tell them you have 250/500/100 limits currently but right now want whatever limits you want even if it's state minimum. again statistics show people with higher limits are safer drivers and therefor your will get a better quote.
hope this helps but remember insurance is for devastation not aggravation. learn how to budget, develop a 6 month emergency savings account, get life insurance, invest early in a IRA account and you will be on the path to financial freedom.
English
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Not that I don't appreciate the sentiments, but I don't think you understand who exactly you're talking to, and where it is that I live. What you've just said to me is 90%, totally, and completely irrelevant. My province is monopolized and under complete control from the founding companies who first set up claim here. I'm a decent, if not, good driver who's never had an accident on my part in the five years since I've gotten my liscence. But my insurance rates are based off the year of my vehicle and the rate of accidents with my type of vehicle in the year, supposedly. If I die money won't bring me back nor will it do much at all for my family since I'm doing a damn good job of setting them up in life and to all of us, we couldn't care any less about money if we tried. And, when I do die, disposing of me is very simple. Set me on fire and throw me on the wind. There, problem solved. And trust me, money juggling, and loopholes are my business. I'm a half owner to a family restaurant. I own three acres of land which I bought and paid off in a day, no mortgage, no inspectors, no nothing, deed and title in my name in one shot, and I did it with cash. And my truck? I don't need money to fix it. I just find it laughable that I pay such horrid rates out of my ass and they wouldn't even cover for four tires and a steering column if they gave me that money. Insurance of just about any kind is an absolute ripoff and that's all there is to it.
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1) no worries and please don't take this as a personal attack just some things for you to consider 2) how many claims have you filed with insurance even if not your fault because that affects your rates 3) rates are normally based on the risk of the drive (age, #claims, insurance score, ect), then location of car being driven, then what kind of car are you driving. 4) Life insurance is a must especially more so if your rich. You do know that depending on where you live your family will have to pay up to 50% tax on the money to pass on to them and if its tied up in a bank they might have to wait up to 90 days from the day they present a death certificate to get any of that money? Life insurance is 100% tax free to your beneficiary and they get the money in some cases the same day. Also even if your burial is easy you are still going ruin someones weekend at the bare minimum cleaning up after you. Often family members grieve for you and can't go to work right away and this give them some money to take time to do what they need to do in when you depart. 5) I agree insurance is a complete waste of money, until you need it.
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No insurance claims whatsoever. My score's only gone up since I've hit the road as a driver. Life insurance isn't a must because I have almost zero dealings with banks. My money is all physical based and stored in safe areas, in safes. And as for greiving? My family's a hardy bunch. They'll grieve but you can bet that they won't stop what they're doing. To simplify things here, basically, me and by extension most of my family, are folks who live on the fringes of things. Outside the vast majority of the system.
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i'll be completely honest with you.......I wish my life was set up more like yours.
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It's not exactly easy for sure. But there's a reason why I choose to live as much as I can on the fringe of things.
