apparently switching insurance companies really does save money

[Naraku4656]

who knew

[Sawdamizer]

Just now, Naraku4656 said:

who knew

Save a ton of money by fleeing the scene of the accidents too

[cyberbully]

Just now, Naraku4656 said:

who knew

I mean, they will compete for your business if you are perpetually non-risk.

I'm not, but that's another story.

[PhilosipherStoned]

My shit's already dirt cheap from everything being bundled with the same company catering to military vets. 

[Naraku4656]

Just now, Sawdamizer said:

Save a ton of money by fleeing the scene of the accidents too

considering the only accident i was ever involved in was where my car was legally parked and then still sideswiped, that would have been hard to do

[Naraku4656]

Just now, cyberbully said:

I mean, they will compete for your business if you are perpetually non-risk.

I'm not, but that's another story.

you'd think so but my current one was charging a fortune for my shitbox even though the only "accident" i ever had was 5 years ago

[cyberbully]

1 minute ago, Naraku4656 said:

you'd think so but my current one was charging a fortune for my shitbox even though the only "accident" i ever had was 5 years ago

.....I mean, you say shitbox but don't you have full coverage or some shit....I remember you doing....something.....Maybe not.  Maybe it was just an oil change or some shit.....Now I'm thinking tires.....Know what, I'm bailing out.

My "1000s of years ago" powers aren't that good atm....Or really because I just don't overly mentally document your posts.

[NaBarney]

Just now, cyberbully said:

.....I mean, you say shitbox but don't you have full coverage or some shit....I remember you doing....something.....Maybe not.  Maybe it was just an oil change or some shit.....Now I'm thinking 

Paid $40 for a mechanic to take out his old car battery and "install" the new one

[Naraku4656]

2 minutes ago, Nablotson said:

Paid $40 for a mechanic to take out his old car battery and "install" the new one

it was $30, i'm not Bill Gates

[Naraku4656]

3 minutes ago, cyberbully said:

.....I mean, you say shitbox but don't you have full coverage or some shit....I remember you doing....something.....Maybe not.  Maybe it was just an oil change or some shit.....Now I'm thinking tires.....Know what, I'm bailing out.

My "1000s of years ago" powers aren't that good atm....Or really because I just don't overly mentally document your posts.

also what you're referring to was a few years ago at this point. the price i was paying had been almost basically the same since before i moved down here even after going through a different insurance company prior.

[cyberbully]

7 minutes ago, Nablotson said:

Paid $40 for a mechanic to take out his old car battery and "install" the new one

nope, not that

[NaBarney]

3 minutes ago, Naraku4656 said:

it was $30, i'm not Bill Gates

You're right I just went back and looked. 

Also gd I went hard over that, like actual crazy person shit..was clearly in a very dark place back then. Mostly just capital b Broke-broke I think

[PhilosipherStoned]

Nabs self reflecting is scary...

[Naraku4656]

1 minute ago, Nablotson said:

You're right I just went back and looked. 

Also gd I went hard over that, like actual crazy person shit..was clearly in a very dark place back then. Mostly just capital b Broke-broke I think

i never understood why you did but i guess that makes sense. i thought you were still saying you were capital B broke cause of covid related job losses

[Naraku4656]

3 minutes ago, cyberbully said:

nope, not that

also my posts really aren't worth mentally documenting considering i hardly remember anything myself from years ago.

[NaBarney]

Just now, Naraku4656 said:

. i thought you were still saying you were capital B broke cause of covid related job losses

I mean I'm getting there, but the Dolan dollhairs made a world of difference

[Naraku4656]

1 minute ago, Nablotson said:

I mean I'm getting there, but the Dolan dollhairs made a world of difference

i'm trying to get myself to spend less as well due to this. don't know if this will eventually force me to get furloughed so i'm cutting where i can.

Edited May 6, 2020 by Naraku4656

[PhilosipherStoned]

Due to being laid off like a month before shit really hit the fan I was already in gear to budget hard thankfully. I also had a bit of luck with temp jobs during the peak of the quarantine. 

Edited May 6, 2020 by PhilosipherStoned

[Naraku4656]

1 minute ago, PhilosipherStoned said:

Due to being laid off like a month before shit really hit the fan I was already in gear to budget hard thankfully. I also had a bit of luck with temp jobs during the peak of the quarantine. 

i mean i'm not trying to be "Naraku" about it saying OMG I'M GONNA GET FIRED but a lot of folks around me are getting laid off or having hours reduced so i'm just trying to get as prepared as i can if it comes down to it

[NaBarney]

4 minutes ago, Naraku4656 said:

i'm trying to get myself to spend less as well due to this. don't know if this will eventually force me to get furloughed so i'm cutting where i can.

Hopefully if it happens it's soon so you can get that extra $600 a week of UE that stops at the end of July. 

Regular UE doesn't pay shit

Edited May 6, 2020 by Nablotson

[Naraku4656]

Just now, Nablotson said:

Hopefully if it happens it's soon so you can get that extra $600 a week of UE that stops at the end of July. 

Regular UE doesn't pay shit

that'd be if i even get that. UE around here is tied due to the massive influx. regular UE around here is a joke.

[NaBarney]

1 minute ago, Naraku4656 said:

that'd be if i even get that. UE around here is tied due to the massive influx. regular UE around here is a joke.

If you get laid off you will get it, they can't deny you just bc too many other people got laid off first.

Yeah the normal max here is $275 a week, tied for lowest in the county

[Naraku4656]

Just now, Nablotson said:

If you get laid off you will get it, they can't deny you just bc too many other people got laid off first.

Yeah the normal max here is $275 a week, tied for lowest in the county

normal max around here is $350 a week but you'd have to be making something ridiculous like 75,000 a year to even get that. we'll see what happens.

[Naraku4656]

Just now, Quackers said:

i pay 45 dollars a month for full coverage

that's still lower than what i'm paying. who are you with?

[NaBarney]

2 minutes ago, Naraku4656 said:

you'd have to be making something ridiculous like 75,000 a year

@scoobdog-levels of exorbitance

[PhilosipherStoned]

7 minutes ago, Naraku4656 said:

normal max around here is $350 a week but you'd have to be making something ridiculous like 75,000 a year to even get that. we'll see what happens.

That seems crazy I was making almost minimum wage at the store that laid me off, and still getting around $300 I think.. 

Edited May 6, 2020 by PhilosipherStoned

[Naraku4656]

2 minutes ago, PhilosipherStoned said:

That seems crazy I was making almost minimum wage at the store that laid me off, and still getting around $300 I think.. 

maybe i mathed wrong but this is what their site says "You may receive the maximum amount of $350 per week. Your weekly benefit amount is based on the last two completed quarters in your base period divided by 52 and rounded down to the next whole dollar."

[PhilosipherStoned]

I've never really understood how they do it here.. It's simular, but like I said I'm pretty sure I've got more than that. They also pay out every two weeks not every week though now I think so that's probably it. 

[NaBarney]

6 minutes ago, Naraku4656 said:

maybe i mathed wrong but this is what their site says "You may receive the maximum amount of $350 per week. Your weekly benefit amount is based on the last two completed quarters in your base period divided by 52 and rounded down to the next whole dollar."

In that case you only need to make something like 36k a year to get the max of $350 a week (not doing the real math on this, just at a glancing it.)

Edited May 6, 2020 by Nablotson

[Distinct Lunatic]

I was originally paying around $130 a month for Auto full coverage through progressive, but when I bought my house back in March I switched over to Liberty Mutual. I would have been paying around $110 or so for house insurance when bundled with progressive, but with LM I went down to $100 for Auto and all my premiums were doubled, house ins. dropped only by $10. In all though I got a really good deal switching

[Naraku4656]

1 minute ago, Nablotson said:

In that case you only need to make something like 36k a year to get the max of $350 a week (not doing the real math on this, just at a glancing it.)

ok then i mathed wrong. i was thinking quarterly as in annual salary quarterly  75,000 /4= 18,750 divided by 52=$360

[Naraku4656]

4 minutes ago, Distinct Lunatic said:

I was originally paying around $130 a month for Auto full coverage through progressive, but when I bought my house back in March I switched over to Liberty Mutual. I would have been paying around $110 or so for house insurance when bundled with progressive, but with LM I went down to $100 for Auto and all my premiums were doubled, house ins. dropped only by $10. In all though I got a really good deal switching

$130 is waaaaaaaaaay more than i was paying. well AM paying i guess, my current one runs out next month

[Distinct Lunatic]

14 minutes ago, PhilosipherStoned said:

That seems crazy I was making almost minimum wage at the store that laid me off, and still getting around $300 I think.. 

It also depends on your age and marital status.

I started buying my car from a dealership when I was 24, me being required to have full coverage by the dealership. At that time it would have cost me somewhere above $200 a month, close to $300 for full coverage (want to note that I've been driving for around 5 years by that point and to this day have never had an accident or gotten a speeding ticket), back then my mom had me put under their ins. policy, me listed as the primary driver of my car, because of that I was only paying a little over a hundred, but once I went over 25 years old that's when the price dropped a lot for me, me getting my own ins policy then.

[NaBarney]

1 minute ago, Naraku4656 said:

ok then i mathed wrong. i was thinking quarterly as in annual salary quarterly  75,000 /4= 18,750 divided by 52=$360

Oic yea, luckily it's last TWO quarters combined which is half of what you'd make in a year

[PhilosipherStoned]

3 minutes ago, Distinct Lunatic said:

It also depends on your age and marital status.

I started buying my car from a dealership when I was 24, me being required to have full coverage by the dealership. At that time it would have cost me somewhere above $200 a month, close to $300 for full coverage (want to note that I've been driving for around 5 years by that point and to this day have never had an accident or gotten a speeding ticket), back then my mom had me put under their ins. policy, me listed as the primary driver of my car, because of that I was only paying a little over a hundred, but once I went over 25 years old that's when the price dropped a lot for me, me getting my own ins policy then.

I was referring to unemployment. Insurance companies typically hold anything they can against you to give you higher rates, deductables etc... Even the accident forgiveness policies are  a joke usually. 

Edited May 6, 2020 by PhilosipherStoned

[Naraku4656]

2 minutes ago, Nablotson said:

Oic yea, luckily it's last TWO quarters combined which is half of what you'd make in a year

ok then yeah my brain skipped that part. STILL $36,000 in my opinion is a high barrier for $350 a week. like "omg we can't give someone making 20,000 a year that much money, they might demand better working conditions. THE HORROR"

Edited May 6, 2020 by Naraku4656

[Naraku4656]

i'm also hoping that they don't get rid of the $600 a week stipend. not for me in case i get laid off but because it's inhumane to lower it. really still what like $950 a week is really what it should be

[Naraku4656]

ok i'll get off of my liberal soapbox now before i get yelled at >_>

Edited May 6, 2020 by Naraku4656

[NaBarney]

Just now, Naraku4656 said:

ok then yeah my brain skipped that part. STILL $36,000 in my opinion is a high barrier for $350 a week. like omg we can't give someone making 20,000 a year that much money, they might demand better working conditions. THE HORROR

Totally. Now I'm curious what someone making $20k in your state would get. *Google's some math* I think this is right -

It looks like you were making $20k a year at an even $5k a quarter (which is what you would gross earning like $9.50 an hour working 40hrs a week for the entire year) then your state would only give them about $190 a week/$760 a month, who TF could live off that 

[Naraku4656]

but really though why do we treat unemployed people like they're a disease "yeah here's a pittance go buy yourself something pretty" dude wtf, i'm ok if you raise my taxes to support other actual humans

[Naraku4656]

7 minutes ago, PhilosipherStoned said:

I was referring to unemployment. Insurance companies typically hold anything they can against you to give you higher rates, deductables etc... Even the accident forgiveness policies are  a joke usually. 

yeah that's why i never use them unless i basically have no choice

[NaBarney]

5 minutes ago, Naraku4656 said:

i'm also hoping that they don't get rid of the $600 a week stipend. not for me in case i get laid off but because it's inhumane to lower it. really still what like $950 a week is really what it should be

Yeah it's supposed to go away at the end of July but there's like 30 million people unemployed rn and a lot of those jobs aren't coming back due to all the small business closures and inevitably lower than usual sales when we do ""open back up"" so they'll probably have to extend it since it's not like you can just "go get another job" when they don't exist, which is allegedly the main reason UE benefits are so low to "encourage"/coerce you to getting off UE asap

Edited May 6, 2020 by Nablotson

[NaBarney]

3 minutes ago, Naraku4656 said:

but really though why do we treat unemployed people like they're a disease

 

4 minutes ago, Naraku4656 said:

unemployed people*

*leeches

[Naraku4656]

1 minute ago, Nablotson said:

Yeah it's supposed to go away at the end of July but there's like 30 million people unemployed rn and a lot of those jobs aren't coming back due to all the small business closures and lower than usual sales when we do ""open back up"" so they'll probably have to extend it since it's not like you can just "go get another job" when they don't exist, which is allegedly the main reason UE benefits are so low to "encourage"/coerce you to getting off UE asap

which is why i was saying before that it'd be inhumane to do that, not that they wouldn't because "you're allowed to get a job, just PULL URSELF UP BY UR BOOTSTRAPS xD" i think the states might do something if the feds don't

[NaBarney]

[Naraku4656]

2 minutes ago, Nablotson said:

we could have had it all. now we'll just get shit

[Naraku4656]

5 minutes ago, Nablotson said:

 

*leeches

*billionaires

[Naraku4656]

ANYWAY. yeah switching companies. saving money or whatever

[Doom Metal Alchemist]

2 hours ago, Nablotson said:

@scoobdog-levels of exorbitance

I know we've been over this before, but if you think $75,000 is exorbitant where scoob lives, fuckin' lol.

[Seight]

That's what Limu Emu and Doug have been telling us all along!