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re: My auto insurance is $615.00 a month and State Farm gave me $113.65 dividend.

Posted on 9/2/26 at 6:14 pm to
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/2/26 at 6:14 pm to
quote:

How do they see it and if they can...why do they inquire as to who is your current insurance provider and cost?


Consumer reports. To make conversation and know if it's even worth your time if the price isn't competitive? You think they are setting rate in each individual office??
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/2/26 at 6:15 pm to
quote:

These quotes are highly individualized based on a lot of factors. All that matters is you are getting the rate you want.


He was referring to his dividend payout not his insurance rate
Posted by ellunchboxo
G-Town
Member since Feb 2009
19550 posts
Posted on 9/2/26 at 6:18 pm to
They sent a separate email for each car with a link. You can accept payment through Venmo
Posted by DiamondDog
Louisiana
Member since Nov 2019
13563 posts
Posted on 9/2/26 at 8:14 pm to
quote:

You think they are setting rate in each individual office??


Homeboy doesn’t know what an actuary is.
Posted by CleverUserName
Member since Oct 2016
18239 posts
Posted on 9/2/26 at 8:15 pm to
quote:

With which insurer?


Farm Bureau of MS
Posted by Red Stick Tigress
Tiger Stadium
Member since Nov 2005
21850 posts
Posted on 9/2/26 at 8:31 pm to
How long will it take for dividend to be processed?
Posted by Red Stick Tigress
Tiger Stadium
Member since Nov 2005
21850 posts
Posted on 9/2/26 at 8:36 pm to
quote:

Why are they run differently with differences in pricing?


Pricing is based on the zip code where your car is "garaged."

I am in Metairie and I am getting back a few $ more than my one month premium.

I am also using Drive Safe to get a discount.
Posted by ellunchboxo
G-Town
Member since Feb 2009
19550 posts
Posted on 9/2/26 at 8:55 pm to
It’s not yet. It said predicted payment October 2nd
Posted by lsufan9193969700
Madisonville
Member since Sep 2003
55960 posts
Posted on 9/2/26 at 10:13 pm to
$615 for 2 cars???? We pay less than $400 for full coverage for 2 cars.
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/2/26 at 10:17 pm to
quote:

full coverage


What is full coverage
Posted by THRILLHO
Old Metairie near Cleary
Member since Apr 2006
50528 posts
Posted on 9/2/26 at 10:44 pm to
I need to shop my home + auto. Anyone have a recommendation for a broker in the NOLA metro area? I've done some digging and found some potential brokers to contact, but I'm worried about getting buttfricked with spam calls/texts/emails after contacting them.
Posted by Tarps99
Lafourche Parish
Member since Apr 2017
13546 posts
Posted on 9/2/26 at 10:52 pm to
I had 3 dividend checks coming to me. One for 29 dollars, one for a 160 dollars, and another for 46 dollars.
Posted by Peruviantiger
Member since Nov 2017
137 posts
Posted on 9/2/26 at 10:59 pm to
I got 4 dividend checks this week totaling $522
Posted by Red Stick Tigress
Tiger Stadium
Member since Nov 2005
21850 posts
Posted on 9/3/26 at 12:45 am to
The reason I asked is I was curious if different payment methods would take less (or more) time to process. My date is the same and I chose Zelle.
Posted by lsu777
Lake Charles
Member since Jan 2004
39081 posts
Posted on 9/3/26 at 8:13 am to
quote:

Mine is $50/month on two vehicles paid in full every 6 months. Shop around for the cheapest possible rate every 6 months only because of the crime of it being a legality or wouldn’t have it.

Haven’t paid home insurance in 8 years.

It’s all a scam. This board loves writing checks tho to people who give them nothing in return. Watch them call me an idiot.


we call you an idiot because you are literally 1 small mistake from being bankrupt....all that work you did to get to retire early....gone

not even going to comment on not having home insurance

its fine you are gambling man...doesnt mean its smart
Posted by Chalkywhite84
New orleans
Member since Dec 2016
35265 posts
Posted on 9/3/26 at 8:25 am to
I only got like 40$ back.
Posted by lsu777
Lake Charles
Member since Jan 2004
39081 posts
Posted on 9/3/26 at 8:30 am to
quote:

frick the dividend, your issue is the ridiculous premium.


i love how yall continue to post this

you understand he has to carry maxed out coverage for work right????

god damn, 100 comments in here from people who fail to read or understand he has to carry 1m on coverage because his vehicle is used as a work truck which he takes inside plants. I used to have to do the same thing.
Posted by lsu777
Lake Charles
Member since Jan 2004
39081 posts
Posted on 9/3/26 at 8:32 am to
quote:

DCtiger1


thank god you are here and answering questions...i would lose my shite otherwise. :bow:

the shear stupidity from people who do not understand limits what they mean, why he has them etc not to mention risk transfer...well its mind blowing to me. maybe its because im married to an agent but frick man, most of this is common financial literacy imo.
Posted by tigerfoot
Alexandria
Member since Sep 2006
61848 posts
Posted on 9/3/26 at 8:49 am to
quote:

Oh so that’s not a scam? I thought that email was a scam
I got a call from my agent yesterday to expect them. Getting 4 dividend checks that total about 340 dollars
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/3/26 at 8:50 am to
I sincerely try to help, but people will continue to believe what they want to believe. They'll say they have "full coverage" and pay x a month but truly have no clue what that actually means.,

In this instance, I was just trying to help figure out the dividend situation. Glad he got it figured out. Babytac doesn't own shite so anything he says should be ignored
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