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re: My auto insurance is $615.00 a month and State Farm gave me $113.65 dividend.
Posted on 9/3/26 at 1:49 pm to DCtiger1
Posted on 9/3/26 at 1:49 pm to DCtiger1
quote:
And this is my point. You said what he's paying is crazy compared to what you're paying, but he has 20 TIMES the amount of liability coverage than you do.
And why is that?
I haven't read the whole thread. Is a reason that he carries so much liability?
Posted on 9/3/26 at 2:26 pm to lsu777
quote:
not even going to comment on not having home insurance
Please comment. I don’t live in a hurricane zone, and my neighborhood has never experienced a flood. I’ve cut down any tree that could be a threat. Please enlighten me why I should give a suit that plays golf on a Tuesday $3000/year? In case my house magically burns down. Just me and my wife here.
Posted on 9/3/26 at 2:30 pm to DiamondDog
Just got my email a few days ago.
Haven’t looked at it yet.
Haven’t looked at it yet.
This post was edited on 9/3/26 at 2:32 pm
Posted on 9/3/26 at 2:30 pm to BabyTac
quote:
Please comment. I don’t live in a hurricane zone, and my neighborhood has never experienced a flood. I’ve cut down any tree that could be a threat. Please enlighten me why I should give a suit that plays golf on a Tuesday $3000/year? In case my house magically burns down. Just me and my wife here.
no its cool...if you want to gamble on your biggest asset....your choice. do as you please. I would never but if you own it, its not nearly as big of a risk as you are taking with your car insurance coverage. im sure no weather event or nothing bad will ever happen
the fact that you comment on this thread too not understanding Diamond has to have the coverage he has to drive in petrochem facilities shows your lack of knowledge.
Posted on 9/3/26 at 2:37 pm to lsu777
I would self insure but the cost of defense for just one suit on liability would wipe out a lifetime of premium savings. So I pay.
Posted on 9/3/26 at 2:37 pm to DiamondDog
We have 4 cars on our SF policy and pay 250 a month. Dividend was 160
This post was edited on 9/3/26 at 2:39 pm
Posted on 9/3/26 at 2:38 pm to lsu777
He still wants us to believe he's wealthy 
Besides, I don't wear a suit and play golf on Friday.
I wonder if he owns any guns.
Besides, I don't wear a suit and play golf on Friday.
I wonder if he owns any guns.
This post was edited on 9/3/26 at 2:39 pm
Posted on 9/3/26 at 5:56 pm to DiamondDog
I pay something like $150 a month and I want to say my dividend is $40.
Posted on 9/3/26 at 5:57 pm to LemmyLives
quote:
Why do they need to be in NOLA? Frost Bank out of Texas is a large insurance broker that will service you.
I'm an insurance retard and assumed that brokers only handled designated territories.
Looking into Frost Bank, they list 10 "trusted partners" that they deal with. It's missing some big ones (including Geico who is generally well regarded, and All State which everyone agrees sucks, but that's just the two big ones that I can think of now). Is it typical for Brokers to exclude insurance providers available in my area? Or is Frost Bank likely to include more companies outside of their 10 "trusted" insurers?
Regardless, I'll still probably give them a shot. Thanks for the recommendation.
Posted on 9/3/26 at 6:19 pm to iwyLSUiwy
I may be the exception, but I’ve had to make a couple of significant (50,000 +) claims in the last 15 years and they’ve been more than fair. Without cancelling or a major increase in rate.
Posted on 9/3/26 at 9:30 pm to Darth_Vader
2021 Chevy Silverado 1500 4x4 RST -
2023 Full size Bronco 4x4
$240/Month and thats in Florida.
With State Farm
Something is wrong with your policy
2023 Full size Bronco 4x4
$240/Month and thats in Florida.
With State Farm
Something is wrong with your policy
Posted on 9/3/26 at 9:55 pm to THRILLHO
quote:
Is it typical for Brokers to exclude insurance providers available in my area? Or is Frost Bank likely to include more companies outside of their 10 "trusted" insurers?
Regardless, I'll still probably give them a shot.
I don't know the answer to that question, but I'm guessing they include trusted insurers as those that work with only reputable repair shops (Caiber collision, etc.) Most of that decision making is based on fraud rates, repairs that have to be fixed again (all of it linked to cost to the insurer.) "Local" brokers probably aren't local, they're captive brokers to a big name, especially in high risk areas like NOLA. The risk can't be supported to the capital available by a true local.
The majors that have TV ads basically charge a premium for notoriety. Frost just found me car insurance at a 30% savings from Progressive with Foremost, which is a Farmer's subsidiary.
YMMV, but I don't trust "local" brokers as much as I trust non captive brokers with broader reach. Someone can call themselves non captive, but still accept incentives that aren't transparent to you to steer you in certain directions.
A thesis I've developed over the last decade is that if a financial company has naming rights to a stadium, it's probably a shitty deal.
Posted on 9/3/26 at 10:01 pm to LemmyLives
quote:
A thesis I've developed over the last decade is that if a financial company has naming rights to a stadium, it's probably a shitty deal.
like SoFi stadium? Surely nothing wrong with Caesars super dome? This post was edited on 9/3/26 at 10:04 pm
Posted on 9/23/26 at 10:52 am to DiamondDog
Both of mine just hit my paypal 
Posted on 9/23/26 at 11:03 am to DiamondDog
quote:
Then help me out with the math. I had a 2025 Honda van and a 2024 F150.
My premiums are $600 a month.
Dude seriously, wtf are you doing? You aren’t a dumbass poster. Change this shite yesterday, you are getting fricked dry
Posted on 9/23/26 at 11:04 am to lsu777
quote:
no its cool...if you want to gamble on your biggest asset....your choice. do as you please.
It’s not gambling if you aren’t a dumbass.
I’m not OT rich enough yet, but I’d love to self insure all my assets one day. By doing so, I remove all the retards from my risk pool
Posted on 9/23/26 at 11:05 am to DCtiger1
quote:
A thesis I've developed over the last decade is that if a financial company has naming rights to a stadium, it's probably a shitty deal. like SoFi stadium? Surely nothing wrong with Caesars super dome?
Fun little fact…both companies are financial companies.
Caesars takes your money in a wager they hope you lose so they get 100% profit.
While SoFi lends you money preying on you paying it back with interest over a long period of time and sometimes through compounding will make more that what was initially lent.
Posted on 9/23/26 at 11:11 am to Mingo Was His NameO
quote:
It’s not gambling if you aren’t a dumbass.
I’m not OT rich enough yet, but I’d love to self insure all my assets one day. By doing so, I remove all the retards from my risk pool
not having insurance on your house if you live in a storm prone area is absolutely a risk.
if you live in the middle of no where that is not prone to any natural disasters...fine, but have a full inspection of the electrical and any other potential fire hazard
now carrying absolutely minimal coverage on car insurance and low coverage limits like babytac says he does is absolutely a gamble, huge fricking risk that could bankrupt you in a heart beat.
Posted on 9/23/26 at 11:21 am to lsu777
quote:
now carrying absolutely minimal coverage on car insurance and low coverage limits like babytac says he does is absolutely a gamble, huge fricking risk that could bankrupt you in a heart beat.
Not if you aren’t an idiot. So yes, it could bankrupt him
Posted on 9/23/26 at 11:29 am to Mingo Was His NameO
quote:
Not if you aren’t an idiot. So yes, it could bankrupt him
do you realize how easy you can get in a wreck? but sure i guess only idiots get in wrecks.
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