>Barebones fucking coverage>No collision>No comprehensive>No towing>They send you a single flower if you bite the dust in an accidentBruh I'm about to just sell my car.
>>28991827age and location?
there needs to be a government nationalized system
>>28991831i thought AAA and CAA were this but i literally dont have a license and just shitpost here despite being nocar nobike. i thought maintenance was already crazy, you sayin despite the entire western world being arranged around cars they arent even cheap to insure despite insurance being mandatory?
>>28991833well of courseinsurance being mandatory doesn't stop the illegal brown masses and trash hicks from being on the road without insurance anyway and when they inevitably fuck your shit up because naturally they will, you're insurance has no recourse but to fix your car out of pocket every timeand when that happens enough times to be a big enough risk to insure drivers, amd we've already passed that point, the insurance agencies are going to try to get their money back through other means because at the end of the day insurance is a business and they are only out to maximize profit and if they can't get profit but constantly shelling out claims payments from drivers being hit by the uninsured they're going to wring the money out from the people that will pay, the honest citizen
>>28991828Old, Mid-Atlantic.>>28991831The irony is my prior coverage was with the closest thing to it, and it indeed cost 1/4 the price. I missed a payment and they're like, "Oops, too bad, cancelled and there's nothing we can do unless you buy a new plan and pay the entire premium up-front."
>>28991839>insurance being mandatory doesn't stop the illegal brown masses and trash hicks from being on the roadokay but looking at myself the solution has been to simply not drive. so not only do legislators lose by making it prohibitive to use their expensive roadways, insurance companies lose because i'm not driving and don't pay them for auto insurance, and car manufacturers lose because im obviously not buying their carsand even the government loses because the solution has been to get a chink e-bike so pretty much all of western manufacturing loses
>>28991841>Mid-Atlantic.THIS NIGGA LIVIN IN THE AZORES
>>28991839>at the end of the day insurance is a businessI know that this is the lie that we've been fed but, fundamentally, ideally, no, it fucking isn't? It's an agreement amongst a population that the circumstances of their society will naturally create the capacity and inevitability for accidents, and that, in the interests of keeping society going, it's better to collectively cover those accidents in an organized manner that reduces the overhead related to addressing issues piecemeal as they arise.I know that's not what it turned into and I know why but fuck.
im just not paying it.>buh buh buh you're x demographicI don't care I am not paying for liability.
>>28991845and like anything social in a nanny state you're going to end up shouldering the lion's share of the costs in return for the retards of the system or the outright malicious milking said system for everything they got at the cost of your hard work, even if you don't even drive so >>28991842, take notes
>>28991841I too am in the mid-atlantic and 28, in the suburbs surrounding a major city even, and while it's high it's not THAT highwhat are you driving?>>28991841that explains ityeah they are an unforgiving racket like thatthose couple days after the Mangione incident where insurance companies started accepting every claim that came across their desk sure was swell, wasn't it?
>>28991845>no, it fucking isn't?it's literally just a dedicated savings account for automotive issues.>inevitability for accidents, and that, in the interests of keeping society going,society is in the interest of preventing accidents, not subsidizing them.
>>28991861>those couple days after the Mangione incident where insurance companies started accepting every claim that came across their desk sure was swell,w8 are you saying that terrorism is done for goals and not just because muslims
>>28991861>what are you driving?Nothing special just a used M4, only other thing is I have a few DUI's over a decade ago which shouldn't matter.
>>28991874well high trim BMWs don't exactly command the lowest ratesbut that notwithstanding it seems like the biggest hit was indeed the "lapse in coverage" no matter how brief it was when you had it cancelled
>>28991874>used M4Just go ahead and buy an altima or a g35
>>28991827I had the same and was paying just over $1k a year when I was with Liberty (FUCK Liberty) I was in my upper 30s driving an e46; never had any traffic violations/parking tickets/no accidents/etc.Then I switched to Progressive and they only charge about $120 for the entire year. God bless Progressive.
>>28991874>a used M4I wish.>I have a few DUI's over a decade agoOverextended yourself there, champ, I don't drink much, let alone when I know I'm going to drive. I can turn 60 degrees to my left and look at the bottle of bourbon a grizzled Kyrgyzstani army major gave me 12 years ago (it's stil 2/3 full, I've failed him).
>>28991861>what are you driving?Used mid-range import that I've just about driven into the ground. It's fucked because I'm... well, I'm certainly not their ideal customer, but it is a pretty sweet deal. Monthly payments on a vehicle that sees like 100 miles a month because its range is limited by issues they'll never, ever have to pay for. "It's outside our guidelines." Dude make an exception.>those couple days after the Mangione incident where insurance companies started accepting every claim that came across their desk sure was swell, wasn't it?I completely missed that (likely by design).
>>28991867>society is in the interest of preventing accidents, not subsidizing them.Society's existence makes accidents inevitable, in the interests of preventing a measure of intentional destruction. Yes, it does indeed subsidize accidents.
>>28991827i have comp and collision on my SUV, mid atlantic (PA), turn 30 this year, 177 a monthseriously flawed driving history, live in niggerville, or are your kids driving the car?
>>28991954>Society's existence makes accidents inevitablesociety is there to develop and distribute knowledge well enough that what would be utter magic to an experienced cave man would be basic shit to a child
>paying monthlyYou pay less at 6 month or 1 year intervals
>>28991954This man lives in a technofascist dystopia run by rent-seeking oligarchs.>>28991963This man lives in a technofascist dystopia run by rent-seeking oligarchs but has a soul, someone kill this fag at once.
>>28991827What the fuck lol. I drive a 2023 scatpack, I’m 27, have one ticket, and my insurance (full coverage) is $133/mo
>>28991827The only way to do car insurance is combo with renters/home owners liability and maintain a good driving record. Never buy a car you have t0 finance and hold full coverage on.
My most recent quote was £242.60, annual - not monthly.
>>28991841>I missed a payment and they're like, "Oops, too bad, cancelled and there's nothing we can do unless you buy a new plan and pay the entire premium up-front."that's why they're jewing you.
>>28991954>>28991963These two statements are not mutually exclusive. In fact, they say the same thing, in a sense: society enables abstractions from nature.
>>28993089Recent experiences with other institutions that are supposed to be paragons of integrity and objectivity have me questioning all the others, including underwriting. I'm considering that it's all a scam.
>>28991827Geico is $600 for 6 months for me, the catch is they don't do shit if you actually need them. Some shaniqua will literally hang up on you if you try to put in a claim.It's also cheap because my car is cheap. Don't buy an expensive newer car.
>>28991831
>>28991827I pay USD $870 / mo for medical insurance. Go fuck yourself, you don't know economic pressure.
>>28993431Oh, and my car insurance is $122/mo. That's $732/6 months. I'm almost 40, I haven't had a ticket since 2014, my car is worth nothing. Why am I paying more than some black kids?I have to earn over $1000 a month just to pay medical and car insurance.Suppose I made $15 at 32 / week, insurance alone would take over half of every cent I make.They can't deny you coverage for being born with a failed organ, but they CAN exclude you from cheaper plans and legally bar you from a large portion of jobs because your illness makes you a risk. How does one come up with $1k a month while paying rent and staying alive? It's not fair and I hate everyone, for this very reason.
>>28991827Surely insurance would not be so much if they didn’t let anyone with brown skin or tits operate a motor vehicle, and the rest have to take an IQ test.
>>28993037Impressive. Very nice. Now let's see Paul Allen's quote
>>28993450>Price per yearThat's what I pay in a month with no tickets in 12 years living in a zero-theft area innawoods. What the fuck? Does basic British insurance cover nothing?No wonder I can't save enough to move from this shithole.
>>28993457What the fuck? I pay that much every month (and the ~$900 in medical insurance (picrel) every month). But black kids get shit for free, medical insurance costs them nothing. America is hell.
>>28993451Eh, I'm cheating a little as it's classic car insurance, but even my "normal" car, a '98 Discovery, is around £300 to £500 a year at worst. It used be double that price when I lived near London, but moving out to the countryside has made things significantly cheaper.>Does basic British insurance cover nothing?My family gets £2,500 if I get maimed or killed~
>>28993459>But black kids get shit for freeYeah, but they lose it if they get caught taking it.
>>28993462Taking what? The ability to not die if they don't make $2k every month? I (that anon) would die in less than a week without my medicine. That's why my medical is so expensive, that's why I hate America. Insulin is basically free in the UK.
>>28993464>I (that anon) would die in less than a week without my medicine. That's why my medical is so expensiveIt's called extortion, at a gov't level. If I lived in Canada, the UK, Australia, Germany, France I world save almost $1,000 a month.
>>28993464I admit I didn't make that clear - I mean they're stealing. It's kind of they're raison d'être~
>>28993466>I would save almost $1,000 a month.I can't speak for the other countries on that list, but as someone who lives in the UK, You may be better off paying that $1,000 a month. I'm significantly happier now we've moved to a whiter area, but it's really highlighted just how shit things were at our previous address; the immigrant problem isn't exaggerated in the news, it's a huge fucking issue. Where we've moved from started out relatively nice 20 years ago, but as things got more and more ethnically diverse, the area started getting *significantly* worse in terms of safety, cleanliness, and just general "neighbourliness". The driving standard was also comically fucking poor, which was probably why my insurance rate was so high there. The annoying thing is, a lot of the Durka Durkas there are fairly nice people one you get to know them, but they just choose to live like fucking animals and have no intention of assimilating British culture or values, consequently dragging the country down to the shithole they just moved from.
>>28993466>>28993473
>>28993473It’s 2/3rs black here. Average wage is nothing. How the fuck, when I pay 10x what others do, could I move? I have a bachelor’s, doesn’t mean shit here.
>>28993221i work in the health insurance industry. in theory insurance in general is not a scam, but in practice it is a scam.
>>28993489
>>28991827Yeah, it's like that here in Wayne County solely because of the amount of black people stealing cars in Detroit
>>28993466No you wouldn't. All of those countries have significantly less disposable income among the average person. Hence the reason why most people in those countries perpetually live with their parents and don't drive
>>28993496>>28993466Here in Michigan we've implemented universal healthcare and all it did is give blacks, arabs, and gross people "free" everything while I pay thousands of dollars. My gf literally quit her job to get on it and they even text her that they'll give her a "free" ride to her "free" teeth cleaning appointment. When she wakes up I'll have her screenshot it if you want proof
>>28991963And?
>>28992774>im a sheltered pussy with rich parents
>>28993439Imagine actually paying that instead of just not doing it lol
>>28993558Lmfao
>>28993558>universal healthcaremedicare and medicaid are extremely efficient, with lower administrative and drug/procedure costs than what is seen under private insurance. https://www.healthaffairs.org/do/10.1377/forefront.20110920.013390/>give blacks, arabs, and gross people "free" you're paying for it one way or another. better to have the government package it as a benefit with hard caps on what the plan will or will not cover, than to farm it out to private hospitals run by executives and administrators who are somehow even more incompetent than federal legislators and employees of centers for medicare and medicaid services.
>>28991827>>28991827F U C K INSURANCEIts a kike scam to make people gamble with their fortunes but in reverse.
>>28993587Save your cultist bot posting. I'm older than you, and remember when private insurance was easily affordable prior to Obamacare for virtually all families.
>>28993597i'm pretty sure i've had this exact conversation with you a few months ago. we're about the same age, from what i remember.
>>28993587Ah yes this looks like a trustworthy website to get information from
>>28993587>than to farm it out to private hospitals run by executives and administrators who are somehow even more incompetent than federal legislators and employees of centers for medicare and medicaid services.The fact that there's been a tenfold hiring of administration over doctors and nurses directly comes from the fact that the funds are coming out of legislators that use other people's money. How stupid can you people be? You think it'd be more expensive for individuals to directly pay an institution rather than having it come out of a bureaucracy?
>>28993603It wasn't me, but I can tell that you're a child that copies and pasted the first Google results when you search "how my opinion is right" and come back with this gay ass nonsense. Governments involvement in healthcare is the direct correlation in sky rocketing prices.
>>28993613>tenfold hiring of administration over doctors and nursesthat was gonna happen even without government money. private business is just as self serving
>>28993618i'm a 36 year old man with a CPA license who works in statutory financial reporting (accounting) at a major health insurer.
>>28993613>The fact that there's been a tenfold hiring of administration over doctors and nurseswhich do you think would require more administrative overhead?>processing the claims of dozens of insurers that offer hundreds of different employer-sponsored plans with their own intricacies w/r/t claims formatting, prior authorization, covered vs non covered procedures and therapies, payment timing, payment methods, etc.vs.>processing the claims of a single entity i.e., CMS
>>28993621No, private enterprises tend to not really worry about nickel and diming everything. Your rational is to literally add middle men (the government) into healthcare, while claiming it's magically cheaper. You are an idiot. Just like with public transportation or any other infrastructure, you demand the government """subsidize""" it and then wow! The project is over budget and behind schedule for fucking 8 years before a Republican gets elected and scraps the whole thing
>>28993631Youre either dealing with private kikes or government kikes. t, they're both kikes
>>28993622As if that means anything? Typing that out with the honest belief it holds any value to this conversation is absolutely pathetic, you should know this if you're a grown adult that's almost 40
>>28993635you accuse me of being a child, i state that i'm not. now you call me a loser? you're the same age as me with a girlfriend who not only lost her job, but has so little assets she is financially eligible for state medicaid (which you somehow rail against.) who is the real loser here?
>>28993630You're making up shit in your head. The plans for private health insurance a few decades ago was straight forward, cut and dry. When you start having government agencies interject their pricing guides by taxing the same people already paying for their own private insurance is when things get confusing. You're a fucking retard if you believe that the government spends other peoples money responsibly.
>>28993641>You're making up shit in your head.no, i'm not. i work in the industry. >>28993622 and, furthermore, i provided evidence of my claims being true. >>28993587
>>28993639She willingly quit retard and yes she lives with me in my house. I'm calling you a petulant child because you're trying to use a made up self fellating role on the internet to prove your incorrect point that universal Medicare actually helps me.
>>28993644You made a unverifiable claim because you're desperate and posted a far left blog you fuckin pussy lmao
>>28993645>made up self fellating rolenot everyone on this board dropped out of high school to work hourly wage manual labor jobs and date wayward women on state medicaid. do you want to see a picture of my CPA license and a pay stub?you really hate to see it, the proles sabotaging themselves.
>>28993646>far left blogheath affairs is a peer reviewed journal.
>>28993650I actually work for the federal government myself and take full advantage of how they screw over the common man. It's so fuckin funny watching you privileged little children straight up lie about your roles while defending "the proletariat" while simultaneously claiming you need to be taken more seriously because "you're not some Joe shmoe" You have no life experience and parrot blogs from a 3 second Google search and expect this to hold any weight? Healthcare costs have gone up in direct correlation to the fact that you expect takes payer to pay for their private transactions as well as having a bureaucracy literally full of administrators deciding how to spend even more of their money on people with no jobs. Which one is it. My "wayward girlfriend" or the millions upon millions of blacks and browns with 5 children and no income? You stupid fuck
>>28993653See>>28993607Are you 12 years old?
>>28993660>I actually work for the federal government myself and take full advantage of how they screw over the common man. i've seen the details of the FEP plan. you aren't taking advantage of much. >Healthcare costs have gone up in direct correlation to the fact that you expect takes payer to pay for their private transactions as well as having a bureaucracy literally full of administrators deciding how to spend even more of their money on people with no jobs. see this post >>28993630 and reconcile it against the article i posted earlier. >My "wayward girlfriend" or the millions upon millions of blacks and browns with 5 children and no income? You stupid fucksee this post, again. >>28993587 you're paying for it one way or another. you're also being hypocritical, as your wayward girlfriend is benefiting from the program.>>28993661did you attend college -- are you surprised that a health care journal investigates progressive ideas? i don't personally agree with it either, i'm just asking a question.
>>28993653where is you proofs of your claims??
>>28993668Again, you keep running away from actually addressing anything at all. In one breathe you children like to cry and complain about how our grandfathers and fathers could afford everyone on a single income and in the next breathe you'll claim that you need to ignore reality around you, and look to some far left blog for "factual data." Nobody takes your childish opinions seriously because they *literally* don't jive with opening up your eyes outside. Probably a major reason why your "peer reviewed" trash has a replication crisis, or people like James Lindsay writing intentional silly nonsense that magically passes peer review because it uses some gay ass vernacular.
>>28993668>Read my politically charged source>Did you go to college?And you wonder why you people lose
>>28991861>>I too am in the mid-atlantic and 28, in the suburbs surrounding a major city evenI'm guessing the Washington metro area.
>>28993439imagine being poor and overpaying for insurance lol
>>28993451Less people drive in total so lower costs.Also they have sitter things like mortgages that can only be bought with variable interest rates and shit like that.The only thing bongs have a lead on is healthcare and they're dismantling that.
>>28993459>>But black kids get shit for free, medical insurance costs them nothing. America is hell.Children get insurance for free because we don't want children to die for no reason since they're not able to take care of themselves and their parents could be missing or poor.The same should apply to adults but the Vampire middle men want to to pay 75% of your income or die and they pay money to keep it that way.Blame white dudes who say 'I have good insurance through my job - what you want to wait in line like in Canada?!?'
>>28993700The NIH is crumbling.
>>28993703>Blame white dudes who say 'I have good insurance through my jobLmao. Literally>pay no attention to black women who have children despite being in poverty with no methods to raise them>blame white men with jobs
>>28991827Anyone use picrel? Seems like a good way to find good coverage on the cheap.
How a society functions and operates is the product of all the people of that society.
>>28993720Yeah and it's just a coincidence that certain demographics with a certain skin color act the same globally
>>28993713And why is that?
>>28993558Because you're in Michigan. Universal healthcare works if it's nationwide. They've run the numbers over and over, the only thing stopping it is the insurance lobby. The pool has to reflect the economic bloc, and Michigan is too dependent on other states to go it alone.
>>28993631>Your rational is to literally add middle men (the government) into healthcareThe irony is painful.
>>28993715The unspoken implication was that it's a bullshit make-work job that's ultimately downstream of government spending (90% of the time). Real white men who work real jobs have to get private insurance directly or through a state marketplace.
>>28993879Lmfao. How would the issues magically disappear if it was on a macro level? The healthcare lobbyists are literally the ones that drafted your government run bullshit you idiot
>>28993884Isn't it dinner time in Tel Aviv. Go eat.
>>28993880>>28993886Translated>I don't have anything other than repeating bullshit I read of reddit and Twitter and now I'm upset
>>28993886I never understand this logic. Jews are the largest purveyor of multicultural socialist bullshit.
>tfw responsible mature driver
>>28993927>tfw absolute degenerate looking for his next rush with multiple reckless driving tickets in a RWD manual without ABSWhat are you even doing?
>>28993931>What are you even doing?paying for maximum coverage with the highest limits
>>28993883>or through a state marketplace.more and more private insurers are pulling out of the ACA marketplaces. centene just offered buyouts (voluntary layoffs) to the majority of its 65k employees.
>>28993944Yeah it's not hard to undercut when you're spending other peoples money
>>28993943So am I. Full coverage, either the biggest or second biggest payouts for every single option.
>>28993927Based
>>28993969Because location also affects insurance rates. Upstate NY was 1/2 my insurance to where I am now and NYC is 2x my current cost.
>be me>27>drive a new miata >no tickets>one accident where i was not at fault>$700/yr for full coveragelife is good
>>28991874Heed Cranky's Advice
>>28991874>M4>duiStandard
>>28991827Don't stay with the same insurance company. They'll just raise your rates until you change.
>>28991827LOL this shit is why nobody has car insurance in Detroit.
I've always wondered how all these car influencers afford insurance (they don't). For my 20+ year old weekend car I found a pay per mile policy that's about $35 a month. After a certain point (decade +) I will have paid more in insurance then the car costs. Factor in registration and it get shorter.
>>28994609>I've always wondered how all these car influencers afford insurance (they don't).Car insurance? Dude, $100 a month isn't a big deal. That's the price of a single dinner at a sit down restaurant with a wife and two kids.
>>28993384I have this too, I basically pay them $150 a month just to put my car in the system as having insurance. They don't do SHIT if you actually get in an accident. Their roadside assistance is bullshit too, they will not send help so don't even bother getting it. Have been hung up on too. It's so bad but I'm basically paying a fee to a corporation to not get fined by the government...
>>28991827get quotes, or if your credit is shit get that score up I have 5 cars all with comprehensive , 1k deductible max for the older ones and Im at 2k for 6 months with progressive, was maybe 10% more more when I used to live in DC bc of all the melanin there, but still it was half the price of some companies i quoted most valuable is 2021 toyota, least valuable is probably an 06 Land cruiser , others are all 2010s german
>>28991827>They send you a single flower if you bite the dust in an accidentIt was a 10 year old Charger and you crashed while racing
>>28991827>$70/mo for 100/300/100 + 100/100 UM/UIMI still think this is not enough for the modern roads. Around here, 20% are uninsured and 50% are underinsured with fuck-ass state minimums. If they hit you, you're fucked. >>28993384>Some shaniqua will literally hang up on you if you try to put in a claim.Find out who your state agency is for insurance and file a complaint. If you have a paper trail of that happening, they will lose custody of your file and it goes to someone more legally literate.
