My Insurance Went Up To $600 a Month! (I'm A Single Mom and Struggling)

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[@matthewcrowley9204]

"You can't blame your way to a better life." Love that quote, love that quote!

[@RafaelHernandez-vt8fu]

I’m a UPS driver, we are represented by the largest Union in America. Teamsters. If anyone is ever struggling with insurance and coverage for their family come get a job here. The union has negotiated coverage/full ride benefits for the employee and all its dependents at no cost for us. 0. The best health benefits around, given to you and your family at your 9th month. Good luck guys.

[@deirdrekiely6187]

Sadly, so few workers in America are represented by unions.

[@seminolekilla]

And y’all still whine about everything.

[@RafaelHernandez-vt8fu]

@@seminolekilla 😆 yes we do

[@christ3831]

I’m UAW. Some college(never used) and the union changed my life. 90k a year and my insurance costs me nothing.

[@BrianW211]

When you're a bad driver and your job is driving, a career change is necessary. The insurance hike is a wake-up call.

[@davidtrak2679]

tbf I heard those that drive for a living (mostly trucks) are bound/inclined to get more violations, it's just statistics

[@1981lashlarue]

@@davidtrak2679 I suppose the more you drive the likelihood increases that you get citations, accidents, etc. However, if you are a good driver, that shouldn't increase the probability of it that much. If anything, the fact that driving is the person's livelihood would/should make them a more cautious driver.

[@davidtrak2679]

@@1981lashlarue Yeah, but not in reality. Could be you just become a more aggressive one

[@scott4825]

@@davidtrak2679 If you drive for a living, your skills improve and you need to learn how to become a better driver. A good truck driver rarely gets tickets. And then if you get one, you go to court (possibly spending the money for ticket clinic services), do the driving school thing, and get it lowered. The statistics are that if I get a ticket or two, I need to change my driving habits.

[@scott4825]

@@davidtrak2679 That would be a choice and in that case you shouldn't be on the road.

[@lemoncrinckles]

Such a valid observation: "she doesn't have anyone around telling her she can do this." Sometimes that's all it takes...someone believing in you. 👍

[@dannymckenzie3676]

It’s always the small things that get you through

[@darronsargent3956]

"You are more limited by your own mindset" has to be one of the wisest things I've ever heard

[@anndeecosita3586]

When my parents were getting a divorce my mom took me ro live in another state to start fresh. She didn’t have a lot of money or a vehicle and took multiple buses to drop me off at preschool and go back and forth to work. Fortunately it was a larger city so the mass transportation was better than other places. Then she saved up and bought a car. She went back to school and found a career she loved. I really admire my mom for not giving up and teaching me to believe in myself. She inspires me by what she accomplished as a single mom. You can do it too. ❤

[@deirdrekiely6187]

Today's idiots just go to a dealership and get a new car with a loan at 22%. They put zero effort into finding out how to be SMART about getting a car.

[@anndeecosita3586]

Some of these comments are so asinine. Just because someone is a single mother doesn’t mean they have never been married. My mom was a single mom. It’s called D I V O R CE. My college roommate was raised by a single dad. It’s called D E A T H..

[@seminolekilla]

Over 50% of single moms have never been married. So it more likely they are right than you are right.

[@Solomonmcdannel]

​@@seminolekillahow are they more likely to be Right when it's 50% learn from Dave and do simply math 😂

[@seminolekilla]

@@Solomonmcdannel how bout you learn to read. OVER 50% means more single moms have never been married.

[@brianjohnson8090]

Dave + Jade = Tier 1 unit of the company. I'm so glad he got to work with her at the end.

[@nephetula]

She needs another insurance company! I was point-free, "perfect record" for 10 years, and paying over $2k/yr. for insurance from one of the biggest companies. Long story short, I did some checking and found a smaller company (which does not advertise) and got better insurance coverage for less than half of what I was paying. Shop around, because those big companies are ridiculous.

[@furryplantsandcoins9070]

I just went on the Dave Ramsey site back in October and found the investment pros. They hooked me up with insurance a lot cheaper than what I was paying for my car insurance. But I had a pretty much nearly perfect record as well and I'm over the age of 30 so that helps as well. If you got a ton of points and a good luck cuz it's going to be expensive.

[@stevenporter863]

Longer with an insurance company the fewer discounts and price advantages they give new policies. Doesn't make much sense but they are in the new policy business not retention business.

[@Chele-nm4qx]

She has points on her record. Mistakes cost you even on car insurance.

[@BrianW211]

@@Chele-nm4qx Exactly. When you've had multiple accidents or moving violations (and that's what the caller implied), it can very well cost more to switch insurers.

[@Chele-nm4qx]

@@BrianW211 Agreed!!!

[@screwdriver_bandit]

The bigger issue is how someone in her situation even gets a car loan

[@alittlepieceofearth]

Buy here pay here. A reputable lender probably would not have made the loan.

[@robertperry814]

How did she get so many points on her driving record?

[@laz7354]

It is an evil industry.

[@abrahamlopez1388]

Perfect for whoever gave her the loan they know she would struggle she pays abit for the car then repo

[@zybard01]

Ramsey team needs to do a talk on how this generation thinks Uber, Food delivery and Instacart are actual jobs/careers and not side hustles to compliment your full time job

[@TheFlyingZulu]

It depends on the area but they can be full time jobs... Do you think Taxi drivers are not full time jobs and/or careers?

[@elnarosiana84]

I live in Australia and my husband does Uber Friday and Saturday nights only cos he works full time Monday to Friday..he can cleared 4000 per month easily doing Uber two nights per week..

[@JeanValjean875]

​@@TheFlyingZuluIt's harder to become a taxi driver than an Uber driver, and taxis generally get paid more.

[@fire12731]

Yes they are good side jobs but not real jobs at all

[@hotreadswithphil213]

My friend makes 75,000 a year doing only uber

[@roadrunner9622]

Racism, sexism, agism... Millions of people blame their failures on stuff like that, but many people in those groups succeed by good character, good attitude, smart decisions, and hard work. Proving that those issues -- while real -- are not a valid excuse for lifelong failure. Life is 10% what happens to you, and 90% how you respond to it.

[@warrentrout]

Being a looser is so easy. Winning takes effort

[@Desertbiker617]

Better than tighter!

[@nitacollins9543]

It’s LOSER , but good comment😊

[@kimm5555]

This has hit home for me so hard. I grew up poor with teen parents and no guidance. Life has been a struggle and others don't get why I penny pinch but I have nobody who has my back. I raised 3 kids without help and I have bought a house by myself am debt free and have an 840 credit score and I only make 36k. I wish I had someone to guide me to how I could have a career and not just a job. Even so I am proud of how far I have come but it comes with great stress not making enough to thrive but only survive.

[@PriestessHephzibah]

Wow.....i admire you 😊❤

[@nitacollins9543]

You are awesome and inspiring…. AWESOME JOB🎉🎉🎉🎉🎉

[@pottr147]

Build the nest and then hatch the chicks. Not complicated

[@h3artands0uLL]

Who is this lady next to Dave? I like her, hope they have her on more often. She’s compassionate and empathic. Spoke to the problem itself but didn’t talk down to the lady. She acknowledged the hardship she faces with all the -isms AND let her know she can still do something about helping herself. Then before Dave even said he’d send stuff too, she offered to send one of the books to help her out. Such kindness This is what people need. They’re calling in for help and vulnerably sharing where they’re at and their own past/current mistakes. Glad she got the help she needed

[@alexpietsch7997]

Her name is Jade Warshaw. She's the new Ramsey personality who paid off half a million dollars in debt

[@fire12731]

Jade Warshaw she’s flippin the bomb ❤❤q

[@ecclairmayo4153]

She always dressed so cool❤😎

[@darlenelavigne8106]

She sounds Motherly advice .Like a big sister ❤️

[@joyariffic4217]

Your mindset is more limiting than anything systemic. Absolutely 💯 👏👏👏👏👏

[@dougb8207]

"it would make more sense for me to get a real job" ... I burst out laughing

[@IHateNicolasCage]

27 with 2 kids. Ya think?

[@fire12731]

Yes a real job

[@alfonsosalinas3026]

She's not telling us everything. You can't get a $600 insurance bill without someone serious that happened.

[@mcgill2391]

No my insurance quote is 1000 a month and im 21 with no tickets and all i have is a lapse of insurance

[@evr0.904]

@@mcgill2391 What vehicle are you driving? You're 21 so insurance will be higher.

[@RubeeRoja]

I heard her say, I think, that she had a lot of points on her license. She may have a lot of different violations and deamed high risk to insure. It doesn't take much to turn the insurance company against you. They don't make money by helping you.

[@yaboirolly]

Same with me. I have to pay $500 a month now on insurance 😓. It went from $300 too $500. Clean record no issues and I’m about to turn 23. Insurance excuse is “Inflation”. Disappointing insurance can get away with this.

[@RubeeRoja]

@@yaboirolly That's awful. They will honestly use any reason to increase the rate. I hope you find a way out of that soon and best of luck!

[@MariaInIowa]

Also, this shows how critical it is to look after the "widows and orphans" among us (which includes the single parents and their children).

[@katjones4840]

Bring a single mom does not mean they are a widow.

[@shawnshawn3107]

Insurance should never cost more than the car payment.

[@mihy26]

I pay $450 per year for insurance on my 2005 Ford - I've owned it for 16 years. On the books it's probably worth $2000 but runs well and no damage. I was raised in a single parent family; me mom brother - and we rode the public bus everywhere; no wheels in our family until I bought a 'junker' toyota at 17!!

[@georgewagner7787]

You don't live in Boston. In cities it's at least a thousand

[@anndeecosita3586]

The price varies depending on where you live. I moved to another state and my company raised my rates. Same 12 year old vehicle.

[@joycewright5386]

You obviously don’t live in New Jersey. $2300/ year here with perfect driving record.

[@mihy26]

@@joycewright5386Nope! I'm in Alberta. If I didn;t have the group discount I'd probably pay about a $800-1000 per year

[@walterandreaspucko6317]

I live in a major city in Germany and pay 170€ a year … 32 years without an accident 🤷🏻‍♂️

[@j56783]

"you are more limited by your own mindset than anything systemic" *chef's kiss*

[@taqeemhilton]

All the 57 year old Uber drivers are scratching their heads right now.

[@girlygirl1890]

LOL!!!!! 🤦‍♀🤦‍♀🤦‍♀🤦‍♀

[@neisci]

Uber as I side hustle or just a hobby it's acceptable at any age. As long as as you can safely drive of course.

[@nugsin4]

The problem is it’s not a career. How many promotions or raises can you get?

[@sebastianzx6r]

@@nugsin4 Exactly. People use this and doordash as a career. It's not. You can't live off of that. They don't want to switch jobs because uber and doordash are work when you want. These people don't want to clock in at a location where they have to show up and be there.

[@blackworldtraveler3711]

@@neisci I use Uber to and from the airport mostly. Seems to be a very satisfying source of additional income for the drivers where I live. One driver even used the word “relaxing”. Very pleasant people to talk to.

[@jasminediazarciga]

I love Jade's style! She is her own personality :) Huge fan of their dynamic. Best combo, for sure.

[@waterheaterservices]

And she is gorgeous ☺️

[@bkstandard882]

​@@waterheaterservices beat me to it

[@ecclairmayo4153]

She dresses so cool😎🩷

[@LisaCPerry]

This was an inspiring message. I really appreciate Dave and his team. I really do.

[@doubles1545]

Thank you for encouraging and empowering folks to change their life. Too many discouraging voices on the ‘net.

[@marilynearl6887]

My flood insurance went up to 6000 a year and home insurance up to 3500 a year .This happened after hurricane Ian . But since we are retired and have a fIxed income . We are looking to sell in a couple years and move to a non flood zone.

[@cutlerylover]

Ughhh lol I hate when people say "real job" its disrespectful to people who work hard doing such things people think are side hustles...Any job that pays your bills is a real job otherwise you wouldn't waste your time doing it...

[@Sixbucks_on_pump3]

Yes, they aren't paying me in Monopoly money for all these gig jobs I'm doing lol

[@Violet._.PhoeniX]

Her vocabulary is probably not that big and she meant "a conventional 9-5 job"

[@relentlessenterprises9238]

I've Uber'd for years on and off. Nice to have as a side hustle, but not a career. I just don't get when I meet other drivers that complain about the pay, but then admit they rather not to anything else because it's convenient. It's like putting yourself in a cage but blaming the manufacturer.

[@brittanyhuffracker149]

Needed to hear this going through my debt free journey as a single mom. Going through this process I've really found my true friends. It's far inbetween to find someone that tries to respect your financial goals so I've really learned that I am the one that can change my future and my children's future🙌

[@laz7354]

You've got this.

[@mamatosh05]

What the heck she have on your license should’ve been one of the question. DUI’s, reckless driving what? I’m nosey, I want to know it all.

[@YouMatterAndYouAreLoved]

LOL I was wondering the same thing, and I'm sure most others were, too! What the heck did she do? I wish they'd asked.

[@vickieclark5931]

For her insurance to be at $600 a month, there has got to be some crazy stuff on her record.

[@taqeemhilton]

Drunken "girls nights out" maybe. She was giving me Maury You're not the father one night stand vibes.

[@mcgill2391]

I was quoted $1000 a month for a 2023 kia forte and im 21 with no tickets and a 3 month lapse in insurance

[@taqeemhilton]

@McGill the lapse & age is enough to get a quote like that. Your best bet is driving a used car under liability until age 25

[@Joshkamara6118]

Thank you Jade and Dave that “the system is against us and the little man can’t get ahead mindset” is what I can’t stand about certain people’s mindset

[@kimjohnson1216]

Preach on Dave! All my siblings are their own worse enemies! Their mindset has always been I can't do that because....I have always used those people to be my inspiration! My comment to them has always been watch me!

[@alfonsosalinas3026]

Dave's face when he hears her $600 insurance XD

[@radolfkalis4041]

Yeah. Horrible driver, and the INS goes up alot when vehicle is used for business purposes.

[@CZsWorld]

Amazing how 50% of Dave callers are getting ripped off by one industry. So many people would benefit by switching to a bike, no payments needed!

[@edwardrhoads7283]

Shhhh. Don't let the bike industry hear you say that or they may start selling fancy bikes on a payment plan...

[@konye618]

​@@edwardrhoads7283 they do already

[@Ohiostategenerationx]

It's hard to haul 2 kid's around on a bike.

[@moonj605]

if i were to buy a bike it would take me two hours to get to walmart that’s 12 minutes away by car. not that many people benefit lol

[@anndeecosita3586]

She can’t take two children to doctor appointments, supermarkets or wherever on a bicycle. 😂

[@edwardrhoads7283]

Here is the systemic: Hope breeds hope Fear breeds fear. So a system of fear breeds more fear and paralyzes. A system of hope breeds hope and gives someone a chance to do something. Remember that when you decide which to put in your heart.

[@h3artands0uLL]

Breed* But yes

[@therealmvp232]

This is the problem in America. She lives off the government but can drive a car with $450 a month payment.

[@kstar1956]

For all those asking if she had to do serious things to get those points that’s not necessarily true. Each state assigns points at different levels, she could have received two or three minor violations within two years. Also she’s in subsidized housing which means that area is probably redlined so insurance was already higher than normal for that area so you add her age and these points yeah that insurance skyrockets.

[@annaelisavettavonnedozza9607]

Everyone is a legal expert on this show

[@anndeecosita3586]

Subsidized housing isn’t limited to a particular neighborhood. You just have to find a landlord willing to accept it.

[@ThePooppantsman]

I have lots of point and my payments went up....and she's shocked why?

[@samplautz5586]

“I realized I had points on my license”. How is this news? How did you not know that you were getting points?

[@betitos11]

Dave said, "You can get the boy out da' hood but not da' hood out the homeboy" 🤣🤣

[@ldv02]

The Puerto Rican lady is so true, my people are like that. I’m Puerto Rican, I have never bought a new car, I follow Ramsey’s philosophy and we are living our dream!

[@musicpro7278]

What Puerto Rican lady? Jade isn't Puerto Rican

[@ldv02]

@@musicpro7278 the lady Dave talked about who was Puerto Rican and approached him at a conference, did you watch the whole video? Of course Jade is not Puerto Rican

[@musicpro7278]

@ldv02 my bad I have a headache can't really focus on the video

[@ldv02]

@@musicpro7278 hope you feel better! Have a blessed night!

[@fhuber7507]

$600 a month insurance = it's cheaper for her to take Uber than for her to be an Uber driver.

[@pisicacutecat4869]

I grew up in Detroit. When I was 20 years old I got on the bus and I moved to California. I just didn't want to live in Detroit anymore. It's been over 30 years since I left. I'm glad that I got out and worked hard towards a better life. 🙏🙏

[@silksatinsilver1]

One of your best episodes yet! Their great personalities are dynamic together 🤩🤩

[@Sixbucks_on_pump3]

Her and George are my two favorites right now 👍

[@tjr4459]

If you’re not able to financially take care of yourself, you won’t be able to take care of a kid. Don’t have children if you can’t afford them.

[@brandon18054]

She couldn’t help it. Keeping her legs closed, or at least being a responsible adult, was just not an option.

[@lauvasquez7198]

No sht Sherlock. Clearly she can’t back track the kids. I’m sure many people aren’t having kids thinking “oh I won’t be able to provide” Things happen. Maybe she was married when she had the kids.

[@brandon18054]

@@lauvasquez7198 And picked a bad partner to have kids with, ended up divorced, so now that’s our problem and responsibility to pay her AND the kid’s way? You won’t get much support with that.

[@lauvasquez7198]

@@brandon18054 did I miss where we are paying for her bad choices?

[@samanthah2226]

I thought this was going to be about health insurance because yes it is that expensive. Car insurance shouldn't be that much.

[@Mint-kj9kw]

Health insurance isn't expensive if you don't have any. I haven't had health insurance for over 14 years. You are a sucker if you are single and have health insurance.

[@wendyinegbenedo1307]

Has she shopped around for a better price on car insurance? When our insurance goes up, we always shop around and find a much better rate. There are always cheaper rates you can find by making just a few phone calls. ❤

[@martinlazar9420]

This girl needs what you are providing her hope and people who believe in her. I hope that more people can help her out like this.

[@ldtriton]

Love this episode. The conversation after the caller was priceless! 😂😂

[@sasukesuite1]

Dang a 17 minute Ramsey question.

[@tacticalbusdriver6630]

Dave talks as though women are the only ones who go through financial hardship, talk to the man who is dealing with divorce or child support 💯

[@brandon18054]

If you can’t tell by the comments, the general society no longer has any sympathy for single mothers of their own circumstance. No, I’m not talking about a married mother who is now widowed.

[@handleyobusiness]

Because certain choices should not be made without spouses. No kid deserves a broken home.

[@shachede6828]

Because it is thier choice! Single mother who became single mother willing should be shamed! The baby mama pandemic need to end!!!! Children suffer from it!

[@neisci]

Single motherhood aside, I don't understand why people have children they cannot afford. It baffles me.

[@blackworldtraveler3711]

@@shachede6828 I don’t shame single mothers. Just none of my business. Been avoiding them since high school.

[@shachede6828]

@@blackworldtraveler3711 you don’t need to go out of your way. But if they come to me looking for a pity party they will get NOTHING! People on public platforms with influence must shame it. It is shameful and destructive. I am a woman.

[@Joe-db5hz]

Her husband is the state and we are paying.

[@NinaBaLe]

27 married to the government and has bad driving record and budgeting skills. She need some Kevin Samuels not Dave Ramsey,im sorry.

[@brookiegremlin6660]

idk how Dave managed to find this woman "inspiring." I live in Atlanta, this is an everyday story.

[@algoflush1430]

I pay $394 for the year for auto insurance. I drive a 16 year old Buick. I have the state minimum insurance. I have been doing this for 25 years. Don't over insure.

[@tristan2332]

Ok if you don't have alot of money and a good driver I guess. Working in the auto insurance industry...I seen that backfire on people sometimes.

[@oldfordman68]

Hope your putting away money to replace it if something happens

[@boxesbinslidsllc]

If you have an auto loan, you have to carry full insurance.

[@mihy26]

yep! I pay $450 per year for insurance on my 2005 Ford - I've owned it for 16 years.

[@RhinoXpress]

Because your 16 year old Buick is only worth a bag of beans. You probably pay liability for a car that old

[@dickjohnson5211]

Uber! That’s the insurance jump.

[@girlygirl1890]

Not sure of that. Because honestly, most Uber drivers don't tell the Insurance company they drive Uber because they know its going to be a huge jump in monthly cost.

[@everydaydadfixinit4803]

No..uber has its own coverage

[@taqeemhilton]

Commercial insurance yes

[@everydaydadfixinit4803]

@Taqeem Hilton coverage during rides...it does not effect the driver's personal policy at all. A driver can now purchase added rides hare type coverage, whereas years ago they could not and did hide from the insurer....but that's all changes nowadays

[@singerjo5791]

In my opinion Uber can be dangerous, especially for young women.

[@jreinel1966]

Only terrible drivers get penalize with crazy rates by the insurance companies,if you drive for living this situacion can be very stressful, 9 years driving for lyft and uber,35k rides in miami,0 accidents,no points on my license but you have to be a very good driver..!

[@MrCotaman98]

Amen Dave. I do what I can at my work by getting the employees signed up on their 401s. So many have been working for years and havnt signed up. They just needed that little pull on the arm.

[@teresavict1831]

I love uncle Dave he will never go out of style Dave's teaching will be part of my inherent to my children.

[@oa5828]

She either needs to start doing some insurane company searching or start riding a bike.

[@gibblespascack1418]

There is always room at the top! It is amazing when the only way to go is up....

[@josephinen36]

How did she get points without realising 😮

[@lukemorton8376]

Probably paid the tickets and didn’t really think about it. As a result, she didn’t think to fight the tickets in court to avoid points on her license

[@lizzy5812]

I respect this woman for trying to improve her income for the kids while planning a long term career. It will be better for the family in the long run. Plus it's an amazing example for her kids. You go girl❤.

[@jacquelinelewis5627]

Pay your insurance, you're leaching off welfare getting plenty of freebies, smh.

[@SensSword]

On 30 seconds in. But red flags already. Even a DUI won't cause insurance to get that high from what I've seen.

[@taqeemhilton]

You'd be surprised. Too many insurance claims for miscellaneous damages & tows within a year can sky rocket your insurance.

[@boxesbinslidsllc]

She couldnt drive for Uber if she had a DUI.

[@donaldcornwell1151]

where does the DUI fit in to this picture?

[@jimmymcgill6778]

No one said anything about any DUI.

[@Jay-om8gr]

@@jimmymcgill6778 that’s his point

[@jimmymcgill6778]

@@Jay-om8gr No one said anything about DUI. People get tickets for any number of reasons.

[@lilmoo7682]

I work a M-F job as a government contractor and work at Hooters in the kitchen on the weekends. No benefits at either job.

[@MultiInKIEto]

Always switch car insurance every 2-3 years don't be loyal to any car insurance they are all the same.

[@Thrakerzog]

Girlfriend has a DUI / DWI or some other issue. Ain't NOBODY paying $600 / month unless they have an expensive Mercedes car and she's living in Section-8 housing too?

[@georgewagner7787]

She's driving for a living and putting strangers in the car all day

[@Thrakerzog]

@@georgewagner7787 Even then, it's NOT going to cost $600 per month. My friend drives for Uber / Lyft.

[@anndeecosita3586]

My friend’s got a reckless driving ticket and the insurance for them was insane for a few years after.

[@CptWesker07]

Don’t have kids if your broke

[@oscarmedina7368]

Different insurance company and stop doing uber. That's the biggest factors that she's not mentioning, yeah point's hurt insurance but insurance companies usually charge premiums on Rideshare based income.

[@makeitpay8241]

ok, i will play the bad guy here.... so you are telling me that there is not even one man or even a woman that will put up with her so we should all feel bad for her because she is not married. i am so tired of ladies saying "well I'm a single mom" guess what 95% of the time this was a choice

[@shachede6828]

Exactly! It is a choice.

[@terriesmith2616]

The only time a woman is not a single mom is when her husband died. Otherwise, it's a choice. All derived from bad decision making skills. She didn't learn with one kid, she gotta bring two kids into a life of poverty.

[@bebop504]

Jeez, maybe you should be a safer driver. How the heck do you get five points on your record??

[@carolr7823]

Sounds like she is a bad driver. 5 points is huge IMHO.

[@dmbgator86]

Isn’t the average auto insurance around 1,000 a year? So less then 100 a month.

[@johndone8045]

U wish 1000 a year with full coverage..... if u get around 1000 a year with full ins, u are probably old and with a car not worth that much Ins rates are. Insanity now

[@shachede6828]

Huh? No way.

[@eurekahope5310]

Maybe 10 years ago... We have perfect driving records, old cars, and a high deductible but pay nearly $300 a month.

[@dmbgator86]

@@eurekahope5310 I pay 1,200 a year. I have a 2015 VW Jetta.

[@myrishastafford6149]

It also depends on the state and metro area

[@rodrigocortes3641]

I was mad when I received my new quote from my insurance company for full coverage insurance at $90 a month.

[@AnaGiselle777]

WOW!! I pay $120 a month for liability and that bothers me, I don't want to pay more than $90 a month for my car insurance, unfortunately with inflation the reduction I get with another car insurance company is very very minimal, but every penny is money What can be saved, even if it's 3 cents a month, it's money. Hearing what she pays is crazy! Insane 😮 I hope she can improve and stabilize her situation…

[@Kysen10]

She shouldn't be on the road, clearly a reckless driver.

[@evr0.904]

She has to be on the road. She belongs to the streets.

[@David-wo9un]

@@evr0.904 😂😂Definitely wins comment of the day!😂😂

[@evr0.904]

@@David-wo9un Future Voice: “She belongs to the streets.”

[@jimmymcgill6778]

Reckless, because a few tickets?

[@taqeemhilton]

She sounded Puerto 🇵🇷 Rican but she drives like an Asian.

[@kevgret]

This girl is a keeper

[@adamr.kalucki4347]

Rofll

[@eq2092]

A queen

[@Jay-pf2cn]

😂

[@TheTK42]

A single mom? I wouldn’t do it

[@girlygirl1890]

@@TheTK42 He was being sarcastic. (lol)

[@Lukaxxxxx495]

As a client of a financial advisor, I can't stress enough the importance of having someone who knows the ins and outs of insurance policies and can help you navigate through the confusion. I watched this video and immediately thought of how lucky I am to have my advisor, who not only helped me find the right insurance policy for my needs, but also ensured I wasn't overpaying for coverage. It's a relief to have someone you can trust to help you manage your finances and plan for the future. Thanks for sharing your experience and reminding us all of the importance of seeking professional help!

[@jackdubl310]

How do you know you aren’t overpaying?

[@mattmasteringer4399]

Do you have points on your insurance?. The big problem that is effecting her is those points. Advisors are waste of time, people just need to educate themselves and do research.

[@Lukaxxxxx495]

@@mattmasteringer4399 Hey there, I just wanted to let you know that I have points in my insurance policy. My financial advisor took the time to explain to me how the points system works and how to earn them. I'm really grateful for their help because it ensures that I earn points as I'm supposed to, which can result in savings on my premiums.

[@Lukaxxxxx495]

Basically, the insurance company rewards safe driving and good behavior with points, which can add up over time. By accumulating points, I can qualify for discounts on my insurance premiums, which is a great benefit for me.

[@Lukaxxxxx495]

I feel much more confident and knowledgeable about my insurance policy now that I understand the points system, and I'm grateful to have a financial advisor who takes the time to explain things to me and ensure that I'm getting the most out of my policy. So no my friend Financial advisors are not a waste of time.

[@Chele-nm4qx]

Baby daddies need to pay for their kids!

[@TheTK42]

You don’t know the situation it could her fault

[@neisci]

@@TheTK42 it could, but they still have to pay.

[@adamseidel9780]

@@TheTK42 there was, without a doubt, a guy involved at some point with some culpability

[@abnerperry5297]

@@adamseidel9780 😂😂 so it would seem

[@anndeecosita3586]

How do you know she doesn’t receive child support?

[@angelgirldebbiejo]

No one should be paying that much for car insurance.

[@steelcastle5616]

She's free to find another insurance company. But if they all charge her just around the same amount, then the problem isn't them...it's her.

[@michaeltrenner8370]

Hi Dave, As I listen to your show, the principle of combining Humanity with Divinity is showing. By helping others (humanity) God multiplies your efforts (Divinity) . God Bless you and your company.

[@handleyobusiness]

Hence it’s better to drive a paid off car, you can get the state minimum instead of being forced to get full coverage to protect the lender.

[@David-wo9un]

Can you image if the lender didn’t require it; they wouldn’t get a penny after she totals this vehicle.

[@handleyobusiness]

@@David-wo9un Then the lender would likely sue lol

[@suzanneolivar1]

When I was single mom, I became disabled from a car accident. I also had an autistic child with behavioral problems in a pre school that did not offer special ed classs or an aide for his needs. I was unable to work due to these circumstances. We moved into a shelter. Father was a deadbeat so his wages were garnished. The child support was only $180 a month. I was told the secrion 8 list was closed and was opened occasionally on a lottery basis. Otherwise the list was 10 years long. How did she, an able bodied person get housing with an asset like a car?😮

[@brookiegremlin6660]

Her story is ridiculous. Our tax dollars pay for housing for herself and two babies, but she takes out a loan for a car to the tune of 450/month.

[@dougprentice1363]

It would be nice to hear follow-up stories.

[@Jay-om8gr]

Sr22 for insurance lapses. Dmv must have gotten to her

[@acscott9916]

Great take at the end of this call Dave & Jade ❤

[@chrisengletx]

i am absolutely on the opposite side of the politcal spectrum from Dave, but one THOUSAND percent agree with his point of view on this.. I do believe tehre is racism, there is discrimination, but ulitmately the only way to succeed is to move from victim to empowered believer.. to push, to fight, and to work hard. I love the woman that called in and I love dave's feedback. totally aligned! See? we can agree!

[@lindacondilli6494]

How do you not know that you have points on your license? 🧐

[@kennymartin379]

Free rent

[@Eaglejake]

There is no accountability or responsibility in the USA, in 2023. Everyone is a victim, wants everything free, and feels they are "special", aka "Take care of me for my bad life decisions". FFS.

[@ykook7000]

Same the world over society is all the same these days everyone is a "victim"

[@Jay-pf2cn]

If you were dating this woman, Dave would ask “when y’all getting married?” 😂🤣

[@LegalMind-ds4wr]

Great response by Dave.

[@AusWash]

Almost 1k in payments toward maintaining a car and you're on govt assistance? M'kay

[@jamesjazzy8040]

Now some advice for you: The lady host talks too much and they need to fix the phone connections with these people you can't understand them when they call in..

[@danielrn133]

1050 a month between car payment and insurance. Yikes. And keep aware of your tickets and points.

[@adamr.kalucki4347]

My car lease and car insurance is almost $930 :(

[@Jennifer-vp2ov]

When i was 18 and my mom didn’t want me on her insurance anymore, i had to get my own and my insurance was like 500/600 , i couldn’t afford it so i just dropped the insurance and was driving a uninsured car for a while