Insurance is a scam and we shouldnt be allowing them to lobby for mandatory insurance
@chandlerchang5799Ай бұрын
I totally get where you're coming from. It can definitely feel like insurance companies are making things harder for people, especially with how expensive it can get. But on the flip side, insurance can really help out when something unexpected happens-like a car accident or medical emergency. I think part of the problem is that some companies charge way too much, which makes it feel like a scam. But not all of them are like that. For example, Insurance Panda has car insurance starting at just $25/month, which is way more reasonable than most. I guess it's about finding the right company that doesn’t overcharge you.
@cs77smith67Ай бұрын
@@chandlerchang5799 so then what car insurance are you using payment $25 per month?
@jreidtasticАй бұрын
@@chandlerchang5799Yeah, we know all of that. But, which company is hooking you up with $25 a month? Even $100 for Liability would be nice.
@BZuniga50430 минут бұрын
AGREED!!!
@phernandez25853 ай бұрын
Been paying $300+ for 10+ years and have gotten nothing out of my insurance. Fuck insurance companies
@GaelicGladdiator2 ай бұрын
im 18 and my quote are ussually around 500-600, i don't understand why the government mandates this, it is extortion.
@HippieP6292 ай бұрын
$300 / month??! Holy crap! I thought $156 / month was wild
@RaynodBookerАй бұрын
100%
@ricedrownАй бұрын
Yep. I pay them for 13 years but I haven't used any of their services either
@Blessinsz17 күн бұрын
Bro I am paying $600!
@SoferiaNebruin Жыл бұрын
I am so frustrated and disgusted. I drive less than 1000 miles a year and have an old car. I did have fairly inexpensive insurance, but they raised it $120 per year for no reason. I have no accidents, no tickets. If I get insurance-by-mile, they want to monitor everything about my driving. Forget that nonsense. Getting even one more quote literally makes me nauseous.
@gasbike100mpg Жыл бұрын
same story here, they increased my premium by 25%, which works out to be 260 more per year
@rockygraziano233911 ай бұрын
Same. In the past 24 months my liability only insurance, no tickets or accidents for years. Went from 177$ every 6 months to 317$ every 6 months. Just turned 71 years old. The older i get the greater the cost. Just no reason for this. No wonder so many uninsured motorists on the streets 10:05
@SoferiaNebruin11 ай бұрын
@@rockygraziano2339 There is no end to the corruption, greed, lack of ethics or immorality in the political-corporate sector that's pulling all the strings right now. Read: this fascist government. The name of the game is for the ultra-rich to keep getting richer and steal everything from the people while they torture and kill us. They get a demented pleasure out of it. But little do they know....🎆 we are in the era of the burning ring of fire......❤🔥Praise Jesus, the Father, and the Holy Ghost.🙏
@blackoutsleepingmusic183311 ай бұрын
It's bs..they charge good drivers for the BAD drivers...ie if your area has a lot of auto accidents your rate will increase even if you are a perfect driver!!!!!
@couponuser11 ай бұрын
@@rockygraziano2339 The answer lies in the response you provided. At the age of 71, and especially after turning 60, insurance carriers categorize you as a high-risk driver, akin to a teenage driver. They base this assessment on the assumption that your cognitive skills have declined, increasing the risk to other drivers. Additionally, being on a fixed income suggests you may lack the financial means to cover car repairs, potentially leading to more claims in the future. Surprisingly, having a history of no accidents or claims could be interpreted as complacency in driving, heightening the likelihood of filing a claim. The subsequent increase in premium rates serves as a subtle indication that they prefer not to have you as a customer. If in doubt, observe their response when you inquire about a senior discount.
@betterthanemril9883 ай бұрын
Take me back to when insurance companies didn’t act like the government or another bank obsessed with peoples credit score
@alexyoung71702 ай бұрын
Swear. I’m trying to get insured but they asking for my credit score is bs 😭
@Leannot35Ай бұрын
Yes!! To that! It's horrific, sneaky, evil to me exactly! Yes, it is sinister and will terrorize a person's life😢
@Leannot35Ай бұрын
@@alexyoung7170yes it sucks all my bills have always been paid, there is some struggles I had with one credit card and now I'm looking back the girl would not even allow me to pay off my credit card in full, and I was going to get rid of it they would not allow me too! Some things in life happened, pretty bad it's been hell since, these companies ask for credit doctors is unrighteous it's illegal it's wrong landlords are doing it as well, I believe it's a way to get rid of people!
@IamnotJokic17 күн бұрын
There’s probably a reason why your credit score is low. You’re an unreliable and risky individual
@OnEst_Opinion Жыл бұрын
Leslie, progressive being one of the better price and perceived companies on your list, absolutely floors me. It is who I have now and while I knew an insurance increase was coming from my area I was not expecting a 43% increase in my bill. With no tickets or accidents from October to November, my policy increased by that much, 40%. I’m paying more than my car value in 10 months of coverage through them. My night is now getting spent searching for a new insurance.
@Lawtonfl Жыл бұрын
I'm in the same boat, AAA raised my rates to an absurd ratw
@hangemhigh3578 Жыл бұрын
Liberty just lost their minds too
@kgee1576 Жыл бұрын
Same 😩 un-freak’s believable what my Progressive rates have skyrocketed to in one stinking year. 🤬🤬 astronomical.
@nefariumxxx11 ай бұрын
They just decided to jack up my rate from $60/mo to $98/mo because I had them switch me over to a car which has more safety features and is 8 years newer. What a pathetic slimy company. I'll be cancelling and looking elsewhere if they don't drop it back down.
@lifelessimmortality10 ай бұрын
The same thing is happening everywhere regardless of the insurance company. Mine went from under $700 2 years ago for a 6-month term to $1300 to renew this month.
@lmfaook.7971 Жыл бұрын
I'm very very pissed tf off at nationwide. No accidents in my life. Never even used insurance. And progressive and nationwide have both jumped prices on me! About 40% its bullshit!!! In tennessee! HelpA
@nefariumxxx11 ай бұрын
Same on the west coast. Progressive has gotten greedy recently. My price went from $55/mo to about $100/mo. Ridiculous.
@ramos4599 ай бұрын
@@nefariumxxxfor 2 car they want 750$ in north cal
@chadmasters39355 ай бұрын
Yeah Nationwide just bent me over. Just started shopping for a new carrier.
@gabriellethompson37334 ай бұрын
berkshire (business insurance) raised outta no where on me & my family with no explanation or reasoning at all . 😂😂😂
@aerostar93768 ай бұрын
my rate for farm bureau NC is currently 80$ a month was paying 60 for Geico but they raised it to 110$ so I switched. I just have liability for 2 cars.
@loregomezz5 ай бұрын
If WE ALL GET TOGETHER AND DONT PAY FOR THIS NONSENSE OF INSURANCE we would get it our way.. this prices are unfair and make no sense… but thnks for sharing this information 😅
@josephgaspar29442 ай бұрын
It’s required by law in some states
@MrJustchelling2 ай бұрын
@@josephgaspar2944we could leave our cars parked for a couple of months, but we have to do in same time though
@chuckyfriends2 ай бұрын
That's why they get away with it, we don't fight, I say this all the time...that goes with everything gas prices if we all say enough os enough something would be done but people are too scary to fight for what's right, I just don't get it, I was having a conversation with a friend, I told him the gas prices are going up cause we aloud it, cause if everyone say f it we are not driving anywhere or go to work, they would no choice and he said people have bills, not making sense of what I said.
@1OAK_X27 күн бұрын
Yeah I just got a notice in the mail saying get insurance or I’m getting the vehicle registration suspended 😂 I played my part, guess you all paid.
@Tori327910 ай бұрын
Geico has screwed me twice. I've been hit by other drivers twice and they said I was as fault (even with dashcam video of the incident) and raised my rates.
@supanerdreviews40569 ай бұрын
Man geico feels like a scam. I’m paying almost $150 a month where as back in 22 my bill was like $90. I don’t understand I’m a good and cautious driver with a near spotless record aside from one very minor fender bender back in like 2018 and yet my bills almost doubled it’s fucking stupid. Even with my good driver discount that’s still a sizable chunk of my paycheck. I got fluctuating hours damnit. I work at an arcade and it’s our off season
@calista9109 ай бұрын
@@supanerdreviews4056can u reccomend a cheaper insurance my bf hates geiico too
@auralkill42499 ай бұрын
@@supanerdreviews4056how old are you? Geico was charging me over 700 when I got my first car, I think I was 18 at the time.
@wiicdemon069k88 ай бұрын
They definitely don't care. My neighbor had an accident and blamed it on me . I was lol because I'm like they just don't go around paying anyone. I guess she already knew they did I will never deal with them again
@Allanmora08264 ай бұрын
Me too! I been loyal to geico and got the loyalty discount! Someone hit my car when it was parked and they still rasied it and told me it wasnt because of the accident because u werent at fault it was because california catching up on car insurance fees. It nearly doubled my insurance such bs!
@Mr_Banker222 Жыл бұрын
Car insurance isn’t cheap anymore, it’s basically what auto payments used to be 200-300
@stevemanning957611 ай бұрын
Mine is more then double that because I hit a deer last year
@Mr_Banker22211 ай бұрын
@@stevemanning9576 yup, even if it’s not your fault they will get ya. Here in az insurance is 200
@daniellecobb600110 ай бұрын
ARE YOU KDIDING ME?!!!! THAT WASNT YOUR DAMN FAULT. SMH @@stevemanning9576
@loosebruce663710 ай бұрын
Insurance mandated by state law, ( more extortion by fascist corporate government $$$$ ) Had enough yet??? Slaves.
@justinmadrid871210 ай бұрын
@@stevemanning9576 You let them do that to you?
@yenwolves427610 ай бұрын
I had USAA for 6 years, & I am very disappointed. They dropped me without notice & they over charged. Haven’t been in an accident & because I was a new driver the fees were extremely high. Never again.
@djglobetrotter76355 ай бұрын
Just happened to me what’s going on
@pablovargas12665 ай бұрын
This just happening to me over “ signature” I was never required to sign when I have Purchased coverage in the past . Thanks for nothing Progressive
@JOELIRVINE Жыл бұрын
NC 45yo male USAA all my life I have 3 - early 2000's Chevy trucks and a 2007 Acura TSX all paid for. No accidents, No tickets, No claims I was paying $196 a month which I thought was high and I just received a message from USAA that my insurance is increasing and My February - August premiums will be $615 a month! Somebody please make sense of this for me?
@nefariumxxx11 ай бұрын
Tell them you are cancelling unless they drop it back down. Cheapest quote I've seen is through "Progressive Direct". Do it online yourself, don't go through an agent who wants to make a commission.
@canwejustloveeachother25509 ай бұрын
We have to stand up
@JOELIRVINE9 ай бұрын
I switched to NC Farm Bureau same coverage I had with USAA $132 a month@@canwejustloveeachother2550
@aerostar93768 ай бұрын
farm bureau of nc is currently 80$ for 2017 charger and 1993 aerostar was paying 60$ for geico but they raised on me to 110$ a month. just for liabality
@dymoultrie14017 ай бұрын
I just left USAA after 14 years. They were overcharging me for insurance and did not want to adjust my premium.
@JaymesWebbs7 ай бұрын
What insurance you’re with now? I’m shopping for bundle insurance
@dapperdingo15 күн бұрын
Yep. USAA sucks ass.
@ChetJang4 ай бұрын
For some reason, The best Auto Insurance rate I could get was Allstate, but you're not in good hands with Allstate. They don't stand behind repairs. I have 2 messed up cars that I am having to finish up repairs by myself because not done correctly, and Allstate did not stand behind repairs. I switched to USAA for lower rates, but almost immediately, they started raising my rates. My homeowner's insurance last week, I found, had skyrocketed from 1200$ a year to 5400$ a year, so now in a panic trying to find reasonable insurance. Allstate is now expensive!
@TheWardenMark2 ай бұрын
Have you tried Good 2 Go?
@ChetJang2 ай бұрын
@@TheWardenMark I already found better insurance for cheaper. I am not sure if the problem is living in WA State or because leukemia has made a mess of my life and credit (I have heard that many Insurance companies are also in financial trouble). The help I need is finding a part-time job as a Physician. An MD with controlled leukemia who hasn't worked in 4 years is not a hot commodity even though we have a shortage. Discrimination against a person with a disability doesn't seem to apply to Physicians! Is "good to go" legitimate? Most insurance services seem to take you to the same expensive insurance companies. My insurance stayed the same for almost 20 years and suddenly skyrocketed. I will check it out anyway. Sometimes, you get lucky.
@dantehajiani28062 ай бұрын
Get a quote online with progressive, you can adjust how much coverage you want to adjust price. With only liability I got my rate to around $60/month
@patriciatrujillo4485Ай бұрын
Good to go from colo@@TheWardenMark
@01_Rogue3 ай бұрын
My dad works for Allstate and still gets GEICO because even with the Allstate benefits GEICO is cheaper
@samkitty589415 күн бұрын
I worked for Allstate too. They never offered employee discount on insurance. They kept saying that would be illegal... I had my insurance with other companies. I changed every year to get the best deal as a new customer.
@01_Rogue14 күн бұрын
@samkitty5894 he does get offered benefits for his position but its still cheaper. I wonder why they'd say it's illegal and if it is, I wonder why they have offered him benefits
@clr1108 ай бұрын
What’s the best insurance if you need to add a youth driver?My StateFarm is going up from $110 to over $500 monthly for a 3k car I purchased for him.
@ThinkInsurance8 ай бұрын
I have a couple of videos that are meant for young drivers. Geico might be an option.
@neverhomepnw11 ай бұрын
Timestamps would be nice
@ckknutson Жыл бұрын
I have progressive but looking for a cheaper insurance i bank at think is there insurance good?
@Onry18 ай бұрын
Geico just raised their prices by about $20-$25 per month in Arizona...
@ciachoking2 ай бұрын
This is nothing.
@elainevanwagner3378 Жыл бұрын
Triple AAA does not off car insurance but agents that can find you car insurance!
@tylerstewart247411 ай бұрын
Usaa double my insurance rate. Went from 150 to 300 a month…. No tickets or accidents
@nefariumxxx11 ай бұрын
get an online quote from progressive direct. cheapest I've seen so far. all of the companies are getting greedy though.
@hesohit9 ай бұрын
Yeah i switch to progressive save $300 over 6 months from usaa. I gotta keep shopping every 6 months thou.
@jjman5337 ай бұрын
Wawanesa raised it 45% No tickets, claims, or accidents. It seems all car insurance premiums are being raised to make up for their losses of their customers with electric vehicles that are so expensive to repair/replace.
@HippieP6292 ай бұрын
Wait... it literally doubled??? Damn! Over a long period of time? A month?
@HippieP6292 ай бұрын
@@jjman533 Oh i remember wawanesa years ago back in san diego. I remember they were extremely cheap around $15 or $20. 45%? wow smh
@tonystephens68586 ай бұрын
ALLSTATE? It costs a lot of money to have two NFL quarterbacks in your commercial. Who do you think is paying for that?
@helocast Жыл бұрын
May I ask 1) if the same vehicle was used throughout for comparison, 2) age of vehicle, 3) type of vehicle? Also, I agree with the source article in dropping USAA down ... I mean I know EVERYBODY raised rates this year tremendously with the first renewal due in 2023, but USAA was 30% increase! The 'raise' coincidently exactly cancelled my 30% 'savings' for allowing their telltale Safe Driver app on my phone. Honestly, its almost unsustainable at this point. Thanks for the deep dive and your recommendations.
@helocast Жыл бұрын
Edit: It was actually dig-in when I finally tried that combination to find the article ... and disregard my first 3 questions as the article didn't say either?
@SoferiaNebruin Жыл бұрын
What needs to happen is that people set up insurance companies outside the fascist corporate government. Unsustainable is right! Why should people support outright ROBBERY? It's unbelievable how corrupt this country has become. It's always been corrupted but never to this level.
@Lightharvest-dd2bf2 ай бұрын
Liberty Mutual's policy premium on my 2022 Toyota Corolla LE is $2312, for 9/2024-9/2025, No accidents or tickets. (Liability premium is $455, Collision $1447, and some small ticket items) This is a LOT MORE than the bargain that Think Ins quoted, earlier in the year. Liberty Mut has gone automated & is very hard to reach. They're slow to respond to claims & Low Mileage report. Worst of all, their monthly payment jumped $100 in Oct 2024! Will be shopping around. I didn't mean to get so much electronic overkill in this car, bought 2 months ago. So much to go wrong, like the automatic parking brake! It's tempting to get just liability ins, and when my car gets damaged, I'll buy something that's easily repaired--and take the bus more.
@toddhess62268 ай бұрын
I live in Pennsylvania and companies like donegal, erie, and Penn National seem to be very reasonable. Do you ever do location-based surveys are these companies usually cheaper
@mexiport13 ай бұрын
Thanks!
@ThinkInsurance3 ай бұрын
🙏
@youngfinance631910 ай бұрын
Im 19 in brooklyn and i got rates for like 2k a month its crazy
@importfanboy78059 ай бұрын
Shit is ridiculous
@johnoldsyllustre60829 ай бұрын
I’m 25 in MA , I got rates 1k/month 😅
@Lightharvest-dd2bf2 ай бұрын
NYC...wow. Instead, can you mostly use mass transit, bicycle, WALK, rent from friends/family when you HAVE to have a car?
@youngfinance63192 ай бұрын
@@Lightharvest-dd2bf well i registered my car in texas so i dont pay these crazy rates
@samkitty589415 күн бұрын
2K per month, or per year? 2K per month is like 24K per year... More than the cost of a car...
@michaelflowers604811 ай бұрын
Every time I have called Geico they have been the highest insurance
@mrmeech38724 ай бұрын
That’s why I don’t pay for insurance. just be super cautious. Going 30 yrs strong 💪
@samkitty58943 ай бұрын
Worst thing you can do is stay with same insurance company year after year. They will increase your premiums even if you had no claims, even as your car gets older. They don't care...there is no logic to what they are doing. They will blame the weather, the area you live in, climate change, your age...anything. I look for better rates every single year. It is easy with today's technology, And every company loves new customer (for a year). I learned to play their game.
@micraw71415 күн бұрын
This is good info right here, thank you!
@alextorres38853 күн бұрын
OMG you gave me hope!
@samkitty58943 күн бұрын
@@alextorres3885 Try it. It works.
@victorbaird8220 Жыл бұрын
Cheap insurance is not good for claim service 😊
@victormobleyАй бұрын
This is the broadest statement of the year.
@dunn-ng58787 ай бұрын
I'm currently with Geico should I looking for another company? If yes, Which ones for suggestion? thanks
@ThinkInsurance7 ай бұрын
As long as you have the coverage and price you need, why shop? If it’s been 3-5 years then it wouldn’t hurt to check options
@ifeefee696411 ай бұрын
Thank you for this detailed review!!
@calin0734 ай бұрын
I have 6 years with All State here in Las Vegas and there are already two increases in two years. I have had a full cover but then I changed it to basic because of the increase, I have a clean record in 3 cars, they say the reason for the increase is always because all the insurances have gone up and in Nevada there is a lot of driver without insurance and many accidents, blah, blah, blah. I’m frustrated, I don’t know which one you recommend me to give me a competitive price and average or basic coverage? Thank you 🙏🏼
@RemYr-ym2bg2 ай бұрын
Your situation is identical to mine with Allstate. They went up $80 last year and another $80 this year.
@ismailtchagbele39963 ай бұрын
I’m with USAA now, I’m being charged $ 360 monthly for a Hunday Elantra 2024.
@antoniamarines60873 ай бұрын
You need change insurance I pay 120 for mine new car
@j.gotsnkrs2 ай бұрын
@@antoniamarines6087which one u got?
@macdogg152 ай бұрын
@@antoniamarines6087who are you with?
@vickizsecrets2 ай бұрын
Ouch!
@stevemanning9576 Жыл бұрын
I’m with Toyota insurance when I started with them I was paying around $230 per month for full coverage on 1 car I hit a deer and had a total claim because of it they went up to $580 per month something to think about
@alfx5432 Жыл бұрын
That's crazy. That's more than a car payment
@stevemanning9576 Жыл бұрын
@@alfx5432 I completely agree inflation has gone way out of control
@SoferiaNebruin Жыл бұрын
Insurance companies are SCAMS. Unfortunately, not many people realize that and keep paying outrageous amounts. I play musical insurance companies. When they raise my rates, I move on and can usually find a better deal. Unfortunately, I have "bottomed out." My insurance company just raised my rates for no reason. I am not happy about it, but so far, I haven't been able to find anything for less. It's just the principle of the whole thing. They raise rates because they can. They don't care a thing about customer loyalty or good driving records.
@caleb24611 ай бұрын
all you complaining about 2,3-400$ I’m quoted 700$!!! At 19 ,it’s ridiculous.
@DWAI6110 ай бұрын
Per month?
@gurldatscobyy4288 ай бұрын
Your fine I pay $883
@choko_thefinalboss62248 ай бұрын
You have no business in a grown man conversation! He mostly speaking to ppl with a driving record, you’re young and considera treat on the road!
@rastabarbie30352 ай бұрын
Yes per month and every six months it goes up $50 dollars. I’m at $705 a month and I’m freaking out
@rastabarbie30352 ай бұрын
I also haven’t been in an accident for 21 years.
@OnEst_Opinion Жыл бұрын
Great video with very detailed information on each company. Incredibly done and thank you for the thoroughness!! This is a line of business where pricing is prevalent and people are also constantly taking advantage of since insurance is a necessity for basic human life
@Lightharvest-dd2bf2 ай бұрын
and liability ins is required in most (all?) states.
@josevillanueva9705 Жыл бұрын
Which do you think is the best for an SR-22 included? This was already a Great help, exact the information I was looking for. Thank you so ao kich, you saved me a lot of time
@shotty.6 ай бұрын
have you decided or gotten any followup answers to this question? i am in the same boat.
@V_DoubleYou6 ай бұрын
Same
@ThinkInsurance6 ай бұрын
@shotty. Progressive and Geico and maybe Root are competitive for higher risk and SR22. Sometimes the local high risk company if you find one like Cure Auto if they’re in your state
@igoelbowdeep1527Ай бұрын
Idk if it’s the worst car insurance or the Spirit of car insurance I need it super cheap in the state of Georgia TODAY. CAN YOU PLEASE HELP ME OUT HERE?????
@sd545827 күн бұрын
I called USAA because my grandfather served in WWII (3rd generation removed) - and they were a crap shoot. Nothing differentiating between the others. I will not choose Geico because of their stupid advertising campaigns (just drop the Gecko thing already). My policies reside with Progressive because they give me the least amount of bullshit with the most amount of savings. I have a perfect record however.
@zenfan10983 күн бұрын
I'm looking, should I start with progressive??
@sd54583 күн бұрын
@@zenfan1098 Yes
@TomKohleraus10 ай бұрын
thank you for this detailed review
@GHE200510 ай бұрын
I'm shopping to see which of the 2 States is cheap to get just Auto insurance for on my 2005 Honda Element. Can u help with that in ur company?
@ThinkInsurance10 ай бұрын
What two states are you comparing? Just keep in mind, whichever state the car is keep the majority of the time is the state you’re required to use. Usually wherever your primary residence is
@GHE200510 ай бұрын
@@ThinkInsurance From what I understand, u can have a SD plate & live somewhere else. The driver's license may be questionable. The two I'm considering r NV & SD.
@Lightharvest-dd2bf2 ай бұрын
@@GHE2005 That's usually insurance fraud, unless you're in the military & moving around. It might be hard to get re-insured if they catch up with you?
@tylerstewart247411 ай бұрын
Just quoted all mine…. Liberty mutual was over $6k…… everyone else was under $800.
@AllAboutPurple10 ай бұрын
Wth….is this a typo or you meant $6K
@tylerstewart24749 ай бұрын
@@AllAboutPurple 6,000 for a 6 month term. Ridiculously high
@AllAboutPurple9 ай бұрын
@@tylerstewart2474 Wow…do recommend any other insurance company? 😳
@ccproductions9997 ай бұрын
@@tylerstewart2474sounds like they just don’t wanna cover you for whatever reason
@goalmindluck2 ай бұрын
I was with USAA for 14 years. About 2 years ago my monthly payments was 1400 a month fir 4 vehicles. Direct auto only charges me 867 with the same benefits. Same vehicles. Whats worst. When i called to part ways, the representative was so rude to me. Im like, so yall had the biggwst smile over the 14 years i spent there but once I got tired of going broke, thats when then attitude came.
@Eag75711 ай бұрын
It's all based on your credit, and zip code of incompetent drivers that lead to higher premiums. Folks refuse to drive smart, competent.
@JamieJohnson-on2jz3 ай бұрын
I hate it when people say Yes I understand that you want it cheap, but you're not really getting enough coverage or your coverage should be in different areas and yes that will make your rate go up a little bit but it's worth it because... If I can't afford my mandatory state minimum insurance, what makes you think that I have the money to shell out for extra insurance? If I am drowning because of the cheapest payment option I have because my insurance company keeps raising their rate every renewal period for no fault of my own but just because of inflation, when my job does not pay me more because of inflation, how are you supposed to sit there and judge that I want the bare minimum for my car insurance, when I have to go through an insurance agent, and insurance agents make commission? How in the world is this a system built on reason, how is this not just screwing the consumer on every line, and how is it not the best option to save up your own emergency fund while paying the bare legal minimum for car insurance?
@JamieJohnson-on2jz3 ай бұрын
Especially because at the end of the day, if you do actually get into an accident, you will have to fight with literally any insurance to get coverage for the things that you have been paying for coverage for, while likely working the same hours that your insurance agent does, so you would literally have to take a day off from your own job, or call your auto insurance agent from the hospital if you were in a really really bad accident, just for the office's secretary to answer and say that he'll give you a call right back and then play phone tag for a week.
@Lightharvest-dd2bf2 ай бұрын
@@JamieJohnson-on2jz What you're saying is hideous, but sadly, sounds very possible.
@mistyluv26111 ай бұрын
do i get dinged on my credit report every time i get a quote for car insurance?
@TruckingaccrossUSA11 ай бұрын
Has nothing to do with your credit
@socalifone30447 ай бұрын
That's not true most insurance companies do what they call a soft credit history or credit check on a potential or future customer. And no that does not ding your credit they still look at your credit when evaluating you.@@TruckingaccrossUSA
@RichardReed-n2iАй бұрын
I have a 2016 Kia Soul and insurance rates $200-$400 /month?
@shenetresmiles9 ай бұрын
But geico charges you for making changes to you policy
@socalifone30447 ай бұрын
They don't charge you for making changes to your policy That's absolutely ridiculous. If you add more coverage they will increase the price. But now they do not charge you to change a policy whether you go up or down on your coverage.
@kimberlindy Жыл бұрын
What states are you not an insurance broker in?
@ChrisFromFloriduh Жыл бұрын
USAA is definitely not cheap, at least in Florida lol. They are always about a grand more every 6 months.
@TheSpecialist5411 ай бұрын
Bro that's cheap af
@ImaniDae3 ай бұрын
Thanks for all of the info, great video!!
@ThinkInsurance2 ай бұрын
You’re welcome ☺️
@nowspacemeditation5597 Жыл бұрын
these prices are not even close to reality at least in Michigan he's quoting 6 mos policies prices not yearly prices and all of them are half of what they really are for 6 mos. this info must be from 10 years ago not in 2023
@Garrisonmanx10 ай бұрын
I had a not great year with accidents and a speeding ticket and suddenly this year (4 months after an at fault accident involving only my vehicle) and suddenly my monthly rate went up by 250$ from my last one with Progressive. Trying to find out who might be the best to go to. Based on this video I’m leaning towards Geico or AAA because I have great credit but was curious what you think.
@ThinkInsurance10 ай бұрын
Both are worth a look. :)
@shenetresmiles9 ай бұрын
Geico charged you for making changes so I wouldn’t get geico. It’s giving free money.
@RealNaisuCinema8 ай бұрын
@@shenetresmileswtf does “it’s giving free money” even mean. I wish it was trendy to speak in complete sentences
@mastic55195 ай бұрын
All crooks, they should put on the bill their overall profit once a year....rate goes up around 20.00 every 6 month on renewal saying cost of auto repair, a d I have no claims...
@BooGaGa-wx2ev10 ай бұрын
hello, please tell me approximately the prices for car insurance and generally what documents are needed for this
@cccoleman998910 ай бұрын
Like your vidoes, any comments on Hartford Auto Insurance?
@ThinkInsurance10 ай бұрын
Hartford has been one of those okay companies that slowly grow. The have decent coverage, decent reviews and good about their day. They remind me of Mercury and Farmers
@greggieringer99864 ай бұрын
General insurance? Any thoughts??
@ThinkInsurance4 ай бұрын
They’re usually ranked lower than Geico and State Farm but do contend with higher risk areas and drivers. It’s more of a backup to my backup option for me
@AgadaJoshua-iy5ml11 ай бұрын
Great video keep up the good work
@tannishcarter53903 ай бұрын
What about AARP Auto insurance, especially for the senior citizen 65 and older
@ThinkInsurance3 ай бұрын
I believe AARP refers you into Hartford - it’s a decent company
@therealreal88465 ай бұрын
How long does it take to get to the point
@ThinkInsurance5 ай бұрын
🤷♂️
@CrystelMckinney5 ай бұрын
Geico is gone way up now I’m trying to find new insurance I don’t have full coverage and it’s at $1075
@joshualiebrecht5787 ай бұрын
I had USAA in Michigan moved to North Carolina kept USAA and was vary happy with the pricing but when I moved back to Michigan last year I was told they didn't provide auto coverage to the "Grenadier" level anymore in Michigan and Michigan is the only state they don't cover.
@adamsmith304020 күн бұрын
Hi,I am sorry but when you say 3000$ for example you mean full coverage for one car for a year?thank you
@RajeshPokhrel-qg8fk10 ай бұрын
what about the hugo insurance? can you tell me ?
@ThinkInsurance10 ай бұрын
Hugo is a whole video in itself. They are a tech company selling insurance based on the pay as you go model. Last time I checked, the ability to turn your insurance on/off was only available in CA Ana IL and, they left CA. Whenever someone says, we’re techies and engineers first and insurance second, I tend to get a little scared. They could be a good company but I need to do more research on them.
@WendySanchez-lc4co6 ай бұрын
@@ThinkInsurance When someone is as poor as I am all I care about is having it legal to be able to drive.
@19Greenhelle5 ай бұрын
@@ThinkInsurancedamn they always leave Cali :/ why is that??
@ThinkInsurance5 ай бұрын
Because California has laws that restrict them from making certain increases. Good for you the driver but we’re seeing it not be good because the insurance companies can’t afford to operate with a profit.
@JackieG-s3t2 ай бұрын
I got a newer car and Geico wanted to charge me $150 dollars a month for a 2017 escape and I have no violations wtf. So I went to progressive and am now paying $107 /month that’s still high for someone with no violations but it’s full coverage and better than$150
@stemulatedstudents6 ай бұрын
Progressive has terrible customer service
@dantehajiani28062 ай бұрын
dont crash
@Lord_Hiram4 ай бұрын
Haven’t had a new car since about 8yrs I ended up buying a 2020 SUV $400 was the lowest. Mind you I have no accidents no speeding tickets nothing It’s crazy out here
@Lightharvest-dd2bf2 ай бұрын
Did you get liability only?
@yosammy17462 ай бұрын
"insurance is a scam!" As an agent, I've had clients tell me I'm a scammer until something happens and dont have enough cash in their account or any sort of insurance to cover damages. Then they call me back wanting insurance after it had already happened but at this point, it's already too late and won't be covered. At the end of the day, we have the final laugh at these kind of people.
@ivonglez855 ай бұрын
I love your videos. Very informative
@headhunchotrey35985 ай бұрын
I pay 560 a month for my Camaro with State Farm, anyone know a better insurance company for sport cars?
@TheWickedOne51502 ай бұрын
Liberty is moving to 6 month. Just got off the phone with them to see if I could get my rate lowered.
@nujabes-pubgmobile4219 ай бұрын
I’m paying like 187 I’m new to all this I’d like to know what you think of that price
@kaerre61079 ай бұрын
Not bad....
@rickyg1526 ай бұрын
Pretty good I pay 205$ for a ford f250 used to pay 180$ apparently we pay more. If they are more accidents in our area. And apparently for luxury cars it's more 280 for a e63 amg.
@AB-10237 ай бұрын
Are these prices per quarter, 6 month or year?
@ThinkInsurance7 ай бұрын
I didn’t find exactly where it said but I’m confident it’s annually
@JoelBrandonMedia Жыл бұрын
You’re reading from an article? Would rather be hearing YOUR advice.
@ThinkInsurance Жыл бұрын
My guy! Thanks for the comment. All though I do give my opinion on here I did make the video you're talking about with all my picks. It's on my channel from a few months back
@nozb6156 ай бұрын
We gotta get rid of, Joe Biden.
@peterchung43668 ай бұрын
Do you have an experience with Capital Insurance Group?
@ThinkInsurance8 ай бұрын
Not much - I believe they’re an independent agency that would likely quote Auto Owners more often
@WendySanchez-lc4co6 ай бұрын
I was paying $138mo. For full coverage in Phoenix AZ mo. I moved to Utica New York, paid off my 2008 Nissan Versa and got liability and pay $370mo. What the? Why?
@NC_SUGAR5 ай бұрын
You moved from a state that is not a sanctuary state. Prices are cheaper on insurance than in a sanctuary state, which NY is. Why? Because you must help pay for all the uninsured motorists that sanctuary states attract.
@trublu13524 ай бұрын
GEICO tend to be for high risk and new drivers? Never new that. Been with them foe 35 years and there is no advantage in having a live agent anyway since they're only available during business hours and sometimes not accessible at all. The 1-800 customer service is available 24/7. Reasonable rates too.
@awzsdrcfgybhjimklp2 ай бұрын
FFFFFFK I need a way out of this insurance, I have a note on my car and every insurance company I've gone to is draining my bank account every month. This is 4x what I was paying just last year!!
@maureendiver89704 ай бұрын
My husband drives at least 50 miles a week and we our Car is 2002 an another thing he’s74 years old . II THINK State Farm Auto Insance is repping him off. One time his payment is $89.28 now it is $115.64. It seems every 6 months they raise the payment .
@okde18754 ай бұрын
State farm are the biggest crooks I signed up with them about a year ago I have no accidents no tickets and yet they doubled my premium in less than a year I'm shopping around!!!
@naturestrail22963 ай бұрын
We need laws where the plan max per person and accident has to go up directly with the increase in the price percentage. If they increase the price of a 100/300/100 policy 50% then it should become a 150/450/150 policy. The payout never rises with inflation. Imagine 100 years from now the insurance payout won't even cover half a Corolla. But they'll be collecting to cover Ferrari's.
@lisanewhouse21017 ай бұрын
Hi can you please tell me the name of your company?My son needs a good insurance in no and I’ll be moving to Nc Thank you for the info
@baucetongolf19893 ай бұрын
Geico is what I have and my monthly went from 220 and now I’m paying 415 no accidents they tell me I live in a highly populated area and that’s a lie
@sbabb67087 ай бұрын
Auto ins is is through the roof
@icygirl7275 ай бұрын
I had geico for 4 months and then they kicked me off because I got into a car accident but it was a no fault accident so they wrote my car off and kicked me off 4 months later because they renew your policy every 6 months 🙄
@seattlejayde11 ай бұрын
I filled out the form in the link that you provided yesterday and have heard nothing. Was expecting various quotes today. Was this a data harvesting thing?
@ThinkInsurance11 ай бұрын
Lol, you give me too much credit for data harvesting… I can look into it if you want to reply to the thank you email. I have 50ish agents signed up to help in various states right now but it might be time to find more 🤷🏽♂️
@SergioAguilera-o9v Жыл бұрын
You talk to much get to the point.
@OnEst_Opinion Жыл бұрын
It’s called being thorough and detailed. I’d rather have a long video with over detailing vs brief, vague information, specially on a subject as this one. If it’s too detailed then very easy solution: switch videos. Doug is notorious for being this in depth so idk what was expected besides that.
@sergeydavtyan3102 Жыл бұрын
@@OnEst_Opinionthis isn’t supposed to be a long thorough video response. In California, we’re getting piped by insurance companies raising their premium rates. I’d rather have him list the companies from cheapest to most expensive. Straight to the point. Im debating to take the bus as a commute at this point😂
@chaospanda9000 Жыл бұрын
Hahaha
@sybur346911 ай бұрын
Chill
@milkncookie11 ай бұрын
How can it be monetized? 10mins + duh. 😅
@bdlooking2 ай бұрын
SERIOUSLY i got screwed by All State Insurance they dontt like paying claims . Will deny a claim they obviously owe
@TheGrooveRoom35Күн бұрын
thanks Serj Tankian
@shotty.6 ай бұрын
if i’m a 23-24 yr old driver with a history of consistent tickets, & i need an SR-22, where should i start? i’ve been told only progressive will likely insure me, but it seems impossible to shop or find a start. Any help is very appreciated, thanks
@Lightharvest-dd2bf2 ай бұрын
Ask if completing a safe driving course will help you get insurance.
@patriciakinsman67009 ай бұрын
Do you cover Florida
@ThinkInsurance8 ай бұрын
I don’t directly. I have several agents that do if you fill out the quote in the description
@AngelPrissyАй бұрын
You sure are knowledgeable
@ThinkInsuranceАй бұрын
😆 I feel like I know too much. I’m starting to lose my salesmanship skills 🤣
@KandiWellness Жыл бұрын
Thank you for your honest review! I’m thinking about AAA or USAA. Hopefully they are in my state!
@bygodsgracejourneytohealin83688 ай бұрын
I have aaa not cheap.... and usaa was even more
@thomaskavney46566 ай бұрын
I have never ever paid anywhere near what this guy is saying the minimum average is and i always carry full coverage right now I pay $500 a year for full coverage
@shotty.6 ай бұрын
with what company?
@thomaskavney46566 ай бұрын
@@shotty. auto-owners
@doughuff18965 ай бұрын
you smell that .. that bulll shiittt...
@NC_SUGAR5 ай бұрын
What state do you live in and what age group are you in?
@thomaskavney46565 ай бұрын
@@NC_SUGAR I'm 62 and live in Tennessee and to be fair I shop hard for the best deal and always use a independent insurance agency they can offer a wide variety of insurance companies
@bradness332 ай бұрын
This country is going downhill fast, all corporate greed.
@DelishiaB3 ай бұрын
I been shopping for Tx and it’s $180 - $300 and I can’t find only liability for a car I’m financing. 😡
@seifazghandi12284 ай бұрын
"... they charge good drivers for the BAD drivers..."; YES, it is the insurance companies' model; it's called "spreaded-risk". same concept as Las Vegas; house always wins!!! problem is DMV asks for proof of insurance before renewing the tag. some people, buy it for 6 mo's and go without for the next 6 mo's.
@Lightharvest-dd2bf2 ай бұрын
😨
@We_silly2 ай бұрын
I thought $28 a month for a beater was a lot dang some of yall got it rough😭