Anybody besides me PO'd about Home and Auto Insurance ?

[mike243]

Yep Farm Bureau here for the house because we live in the country and no fire station around the corner,3x cheaper than other company's, there is a hydrant 2 miles back up the valley, seen 1 of my neighbor's house burn down while the volunteer fire department was hauling water, city water goes right past but county is too cheap to put in hydrants. A couple years ago the volunteer fire department demanded a percentage of your property value per year not a donation, Told them to KMA, I have insurance will stand back and watch it burn lol.

 

[SmokinVOLfan]

Yep Farm Bureau here for the house because we live in the country and no fire station around the corner,3x cheaper than other company's, there is a hydrant 2 miles back up the valley, seen 1 of my neighbor's house burn down while the volunteer fire department was hauling water, city water goes right past but county is too cheap to put in hydrants. A couple years ago the volunteer fire department demanded a percentage of your property value per year not a donation, Told them to KMA, I have insurance will stand back and watch it burn lol.

I get the donation letters once a year. They make it sound like a demand but I never pay it. I’ll give you my buddy’s number is a FB agent in Halls and maybe he can try to get you some more discounts.

 

[KBFlyer]

I have a 20-year-old daughter who struck out into the World with her less than 2-year-old son. I still pay her car payment, car insurance, cell phone, and keep her on my health insurance and I know she struggles. She gets child support here and there and zero government assistance. I just wonder how much longer she can work 50+ hour weeks. My 18-year-old son isn't moving out anytime soon, he knows it is just too much. Car Insurance just went up and the sad part is I might drive my car 50 miles a week. They offered to put an app on my phone that detects when I am driving but it can't tell between driving at work (I'm a cop) and driving at home... I would never recover from that rate hike. I work a second job in law enforcement tech sales (hourly+commission) and I am thankful that defunding didn't work and agencies are spending again. I won't even go down the rabbit hole of blaming right or left... the economy ebbs and flows. I have two budgets in my house one for lean months where we pay the bills and don't spend and one for months when we can splurge a tad. It seems to work. If the increases don't slow up or stop every month might be a lean month. I feel bad for anyone just starting out, the World has become an expensive place.

I'm kind of in the same boat. Son works at a very good high paying job for a Cat tractor dealer. He bought a 2012 3500 dodge Ram truck for 60 thousand which I co-sighned for. He told me there is no way he could afford to live any where else but my home. It's nice having him here but I do wish he could get on with starting his own journy in life LOL. I make him pay for hydro, his cell phone that is on my plan and buy his own grocier's.
Don't want him to think everything is free in life.
Hopefully when I am old and need help he will remember just how much I helped him out and take care of me the same way I took care of him.

 

[02ebz06]

Hopefully when I am old and need help he will remember just how much I helped him out and take care of me the same way I took care of him.

Won't happen. They get amnesia really quick.

 

[DougE]

Hopefully when I am old and need help he will remember just how much I helped him out and take care of me the same way I took care of him.

From what you already said, don't count on it. You are not alone.

 

[ifitsdeadsmokeit]

My home owners went up 60% this year. I increased my deductible to $5k to bring it down abt $800. With climate change I would be scared to try self insuring due to frequent hail and tornadoes where I live. Amfam instituted the 1% of home value on me. I dont understand why it isnt based in number of roof squares. My twins are abt to get their drivers license, so cant wait to see that increase. They email me every two weeks to make sure they dont miss out on a penny when they get their license. Politicians, ugh, hate them all, republican, democrat the inflation falls on their laps equally. All they care about is themselves.

 

[clifish]

My home owners went up 60% this year. I increased my deductible to $5k to bring it down abt $800. With climate change I would be scared to try self insuring due to frequent hail and tornadoes where I live. Amfam instituted the 1% of home value on me. I dont understand why it isnt based in number of roof squares. My twins are abt to get their drivers license, so cant wait to see that increase. They email me every two weeks to make sure they dont miss out on a penny when they get their license. Politicians, ugh, hate them all, republican, democrat the inflation falls on their laps equally. All they care about is themselves.

who is emailing you about them getting their license, the insurance company? My kids aged 21 and 25 have been on my policy and the ins co don't even know it.

 

[chef k-dude]

Ha! "Climate Change"...cant get too deep on that because it's too close to politics, but I always recommend folks take a deep dive in to the carboniferous period. Pay attention to the oxygen, Co2 and sea levels during that period and realize, Man was nowhere near existence at that time. Also note what scientists say ended that very lush growth period...the same thing scientists predict will be our end (reference The Weather Channel's, Secrets of the Earth, season 1, episode 6, "Goldilocks")...TOO LITTLE Co2 in the atmosphere! Just sayin'...

From what you already said, don't count on it. You are not alone.

Yep, anyone with good, hard working, respectful, sane and loyal kids should be very thankful. I dont hate mine, but dont really like talking about them at the family reunion.

Me, on the other hand had my parents build their last home on earth right next door on property that I had Family Subdivided for them so they would be right there when they become unable to do things themselves. ADA wheelchair roll in showers ready. I tell my mom I'm going to roll her in and just hose her down right in the wheelchair! We actually have humor in my family...I feel for those that dont. For now Dad is a net help as a neighbor...he came with a tractor!

 

[flatbroke]

And for the longest time I was thinking Jake from State Farm was a good dude.

 

[SmokinVOLfan]

farm bureau for us. however my early 20s daughter just got rate hiked pretty bad and is shopping around.

Just found out farm bureau jacked my step sons auto rate $30 a month. He didn’t even know about it until the auto draft came out. Don’t know about you but my wife and myself pay $170 a month for 3 cars full coverage. One vehicle is 17 years old, one is 14 years old, and the other is 9 years old. Crazy! No tickets or claims for either of us either.

 

[Smokin Okie]

A Politically Made Insurance Panic

 

[phathead69]

A Politically Made Insurance Panic

good read, and while some may not like it there is most definitely political involvement with other factors also.

 

[chef k-dude]

A Politically Made Insurance Panic

Nothing in the last 4-1/2 years has been organic or random. I reference that time frame because thats when the most recent SHTF and the inflation has accelerated in the last few years. At this pace, the middle class is screwed. Not a coincidence or accident...I'm just sayin'...

There is and historically has been forces that push and pull societies and the populations often have very little to do with it. They tell us we do, but mostly we just have to work with what The System has structured.

Like I wrote earlier, "we ain't seen nuthin' yet". I am not very positive about the future. We see the signs and can feel the rumble of that train on the tracks...it's coming.

 

[KBFlyer]

Reading some of these posts I wonder if some actually read the news outside of their little circle they live in. Not one side or the other side of government is going to have a fast fix for inflation. It is happening in every country around the world. I'm in Canada and we have the same effects from inflation as the USA. Bank of Canada dropped the interest rate by .25% last week, big F-ing deal. Not going to help out with young people wanting to buy a home if they can even find a home to buy as they are in short supply also.
So depending on what side you hoping for don't expect any improvement soon.
Just my opinion, your milage might be different.

For anyone interested in what my Ontario govenment is doing for us here you can read this or not.

LETTER: Doug Ford has not been good for Ontario

Suffice it to say that there are very few people or groups (other than loyal Conservatives and the wealthy) who Mr. Ford hasn't, in some way, managed to hurt, offend or ignore.

www.tbnewswatch.com

 

[Torch&Tone]

A Politically Made Insurance Panic

There is an abundance of reason why this piece is under the "Opinion" heading and not news (even some of the basic numbers are way off, and sources are conveniently scarce).

WSJ has always been conservative but they *used to be* better about being a news source. Now, even the news articles read more like the NY Post: emotional, glossy, jumping to (the most inflammatory) conclusions, lacking some of the basic tenets of decent journalism. Even positions that I agree with are written horribly.

We used to be able to agree on hard data and goals, and debate just the interpretation of data and method of reaching those goals; now it's all propaganda and feelings, instead of news and thinking.

 

[ifitsdeadsmokeit]

There is an abundance of reason why this piece is under the "Opinion" heading and not news (even some of the basic numbers are way off, and sources are conveniently scarce).

True dat ! There is some truth mixed in with a lot of questionable opinions. People will believe what they want to believe, which is their right. I am no expert by any means, but common sense gets my spidey senses tingling.

 

[zwiller]

"Divide and rule policy (Latin: divide et impera), or divide and conquer, in politics and sociology is gaining and maintaining power divisively. This includes the exploitation of existing divisions within a political group by its political opponents, and also the deliberate creation or strengthening of such divisions.

In politics, the concept refers to a strategy that breaks up existing power structures, and especially prevents smaller power groups from linking up, causing rivalries and fomenting discord among the people to prevent a rebellion against the elites or the people implementing the strategy. The goal is either to pit the lower classes against themselves to prevent a revolution, or to provide a desired solution to the growing discord that strengthens the power of the elites."

 

[jack l]

Just glad I am not alone in homeowners insurance going up. I filed exempt for property insurance, but there way around it is increase the value of the property. Sheesh.

 

[chef k-dude]

It's definitely hitting anyone who has to have insurance. Even the idiot level media is covering it now because it's unavoidable. Inflation is the #1 concern for Americans according to "polls". Second is the southern border. The only reason the border isn't tied with inflation in the polls is most of the immigrants/invaders head to self anointed "sanctuary cities" who asked for it, but small towns are starting to be overrun too.

What I wonder is, if health insurance will be hit similarly? I finally got health insurance again this year and its relatively affordable to my surprise (no subsidy, we make too much). Gonna finally get this other hernia patched in couple of months and it should cost me my max out of pocket of something like 7K. I was looking at 10-15K as a self pay uninsured. Wont know about future premiums until that stupid "open enrollment" or whatever its called. Why you cant buy a health insurance policy that starts in June or April is beyond my freethinking mind.

There is an abundance of reason why this piece is under the "Opinion" heading and not news (even some of the basic numbers are way off, and sources are conveniently scarce).

WSJ has always been conservative but they *used to be* better about being a news source. Now, even the news articles read more like the NY Post: emotional, glossy, jumping to (the most inflammatory) conclusions, lacking some of the basic tenets of decent journalism. Even positions that I agree with are written horribly.

We used to be able to agree on hard data and goals, and debate just the interpretation of data and method of reaching those goals; now it's all propaganda and feelings, instead of news and thinking.

Data...who's data? The government's? Media's? They would never push an agenda...

Most others are "funded"...and we know what that means; like medical studies, skepticism is healthy in regards to "data".

Even polls can be untrustworthy. That's why I say above, there are a couple of issues no one can bury now because its hitting hundreds of millions. The people are rising above the din of BS we are fed and talking to each other. Sadly, inflation is bleeding the middle class in all countries. It's not accidental.

 

[jcam222]

I'm kind of in the same boat. Son works at a very good high paying job for a Cat tractor dealer. He bought a 2012 3500 dodge Ram truck for 60 thousand which I co-sighned for. He told me there is no way he could afford to live any where else but my home. It's nice having him here but I do wish he could get on with starting his own journy in life LOL. I make him pay for hydro, his cell phone that is on my plan and buy his own grocier's.
Don't want him to think everything is free in life.
Hopefully when I am old and need help he will remember just how much I helped him out and take care of me the same way I took care of him.

Insure hope he bought that truck well before the car loan rates over the last couple years! I can't imagine the payments on a $60K truck. I'm way to cheap to pay that much for a vehicle.