Never Buy This Car Insurance

[@scottykilmer]

Join the movement and help make this non-sponsored independent channel become the top subbed car channel on KZbin, instead of corporate channels like Top Gear, subscribe to scotty: kzbin.info/door/uxpxCCevIlF-k-K5YU8XPA ⬇️Scotty’s Top DIY Tools: 1. Bluetooth Scan Tool: amzn.to/2nfvmaD 2. Cheap Scan Tool: amzn.to/2D8Tvae 3. Basic Mechanic Tool Set: amzn.to/2tEr6Ce 4. Professional Socket Set: amzn.to/2Bzmccg 5. Ratcheting Wrench Set: amzn.to/2BQjj8A 6. No Charging Required Car Jump Starter: amzn.to/2CthnUU 7. Battery Pack Car Jump Starter: amzn.to/2nrc6qR ⬇️ Things used in this video: 1. Common Sense 2. 4k Camera: amzn.to/2HkjavH 3. Camera Microphone: amzn.to/2Evn167 4. Camera Tripod: amzn.to/2Jwog8S 5. My computer for editing / uploading: amzn.to/2uUZ3lo 🛠Check out the tools I use and highly recommend ► goo.gl/rwYt2y 🔥Scotty Shirts and Merch ► goo.gl/pTAeca Subscribe and hit the notification bell! ► goo.gl/CFismN Scotty on Social: Facebook ► facebook.com/scottymechanic/ Instagram ► instagram.com/scotty_the_mechanic/ Twitter ► twitter.com/Scottymechanic?lang=en

[@RED89P13]

Scotty Kilmer hi Scotty love the videos Edit:my whole family does they’re super helpful

[@johnnypare7426]

Hey scotty what do you think of the 2019 Kia stinger

[@4gauge10]

My dad many years ago had Allstate,(Sears and Roebuck)this was many decades before the internet and you either paid your bill at a Sears retail store or you mailed it in. Dad had just made his premium payment for the year and about 3-4 months later,he gets his check back with a letter about not wanting his business anymore,dad NEVER had a claim with Allstate the 20+years he was with them.(Sears is where America shops...REALLY??) Good thing my dad never had an accident because most likely he'd have to sue them. I have Progressive,so far,this is the cheapest insurance that I can find,I'm always checking rates of the competition,but so far,Progressive is the cheapest.(Flo must be buying generic💄⬅lipstick these days HAHA!!)

[@shawnh7235]

Scotty, my 2009 sonata is coming up on 185k miles. Thought I could get an upgrade going used. Smooth comfortable ride with a little power is what I'm looking for. I live in a rural area, it's almost all highway speeds all the time. What do ya think I should look at?

[@martinlazar9420]

Scotty, I know you mentioned this before, but what is the site to go to for torque specifications for a relatively new car 2014 and newer?

[@hillbillyfreak]

In my opinion if you don't make a claim on your policy, the insurance company should have to return a percentage of your money. Should be law.

[@markg999]

Working in the auto insurance industry I'd like to see that also.

[@Clamjammer]

Just told a friemd this yesterday ..his eyes lit up hahah

[@bobespnza-la7030]

Smart

[@justSTUMBLEDupon]

I don't need that to be law, but don't jack up my insurance by 50 a month when I've never had an accident. Bad enough I live in the city and it's high just because of that

[@ncyankee101]

I'm with USAA and they have something called a subscribers savings account. they basically put a portion of their profits into an account that I get if I ever cancel my insurance with them. I've been with them for 30 years and it is up around $5,000 and every year I get a dividend last one was around $200.

[@josepr7872]

Mentions robbery, shows Goldman Sachs. I love it.

[@JayStarzz]

Scotty knows whats up

[@MJrocs1309]

Yes I caught that too

[@williemakit8931]

I laughed at that point as well

[@bengagnon2894]

What's funny is that you elected a president that chose ex-Golman Sachs employees (read criminals that ruined the life of million of peoples) as part of his cabinet. As if it was not good enough to bailout them, get robbed by them before and after the last economical crisis, you're now literally governed by them. Enjoy your oligarchy while it lasts!

[@josepr7872]

@@bengagnon2894 I didn't do that

[@lalanders]

Ive been in the insurance industry almost 30 years. It’s a total scam and as bad as they treat the policy holders, they treat their employees worse.

[@Roquea.207]

Is putrid wasteland

[@CEA9234]

Damn. If I'm reading what I think I am. My dad and brothers wasted money on car insurance

[@jaybrown7434]

Scotty is right about what he’s saying ! Insurance companies make ALOT of money.

[@SK-lt1so]

Steal a dollar, go to jail. Steal a million dollars, incorporate.

[@stevedd9725]

Well said

[@veeyesforvengeance4056]

@Susan Louis Bitter loser much?

[@RonPaul20082012]

Its not theft when people willingly give you the money.

[@aquarius9491]

insurance adjusters , Lyers, thieves & tweekers !!!!!

[@beamersbeamer6514]

ghhff fghhg they give it to them thinking the are legitimate but turns out they are thieves

[@flaxseedoil1000]

No tickets, accidents or claims of any kind in over 25 years. I am a cash cow for them. Crazy thing is here in Cali my insurance has been going up 10% a year for the past few years. Remember the days went it went down the longer you had your car?

[@blisterbrain]

Sorry, you have to pay to cover all of the uninsured motorists, of which California has more of each year.

[@mickdavis2385]

@@blisterbrain illegals

[@MrScarcejason911]

Mine is going down ..not much but it is. I pay $504 a year been with the same company since 2002 maybe before that too..I don't recall. (Progressive)

[@jackejr74]

I have Progressive Car and Motorcycle insurance..... Yes I know I heard a lot of bad stuff about Progressive BUT my insurance rates HAVE BEEN GOING DOWN.... The first major drop was when they gave me this device to plug into my car to measure my driving patterns..... After they got the device back and checked it, I received a significant reduction since I do not drive much. Now my van is 17 years old and the rates keep dropping "a little" every year..... not a lot... but a little.... ;-)

[@TheFrenchPug]

I'm right here with you! I remember that too but then they came up with "market adjustment".

[@billstmaxx]

the biggest BS here in Canada is that when you turn 25 you get a big premium reduction. when i turned i didnt even save enough to buy a coffee.. Total BS

[@jimmyfortrue3741]

I try to avoid the companies that have obscenely large advertising budgets. That's tough to do though.

[@bradleythomsen3083]

Yeah. Progressive has been good to me. But the amount of money they piss away on commercials is sickening.

[@joelspivak6622]

Bradley Thomsen they suck! I used them in the past... Higher rates than almost everyone' else!

[@l.ls.8890]

Yeah GEICO the same way over $1B annually in commercials

[@phillipdale6765]

Entire insurance industry. Particularly auto ..is a racket..big time. I have 2 teenage drivers..good grades. .no tickets or accidents..policy is 3 to 4 hundred per month more . Per kid. Complete nonsense! Thanks for discussing this important topic scotty

[@l.ls.8890]

I use Amica auto insurance a very good company. I have friends who use Auto Owners Insurance and get great rates and service.

[@lorenzojennings3431]

Insurance is the biggest rip off in America 🇺🇸 😪

[@Ray-hg3ie]

Scotty, this is the first time I have agreed with you 100%. Insurance companies have a license to steal and have done so for many years. Most people see the commercials and think they are in good hands. Truth is the insurance company has its "hands in our pockets" and they only care about making a profit.

[@jindoe3971]

What do u so for a living ? Why do u get to make a profit . Car insurance is super regulated . No one is ripping you off . You don’t like there is an insurance department .

[@TheRealFrostysaur]

Only 20 grand for a deductible? Yeah! Lemme pull it out of my shoe! :D

[@vonster22]

I thought you were 6ft tall...

[@johnconnor7501]

Frosty you got a big shoe size then. Lol

[@tqdinh2]

lol

[@JoeMamasLover69]

Can i barrow ur shoes

[@charanko2971]

@Frosty I can appreciate the joke, but would you rather get a loan for 20k or a loan for the entire cost the house?

[@philipbanks5077]

I had progressive car insurance in the mid 90s . I bought an brand new eagle talon at the time. I had the car for 2 weeks when I was driving through tobyhanna pa in a snow storm lost control of the car and hit a snow mound knocked off the oil filter which froze the engine. Progressive insurance said it was a manufacturing problem and Chrysler said it was an insurance problem. I got stuck putting an engine in the car with my expenses. I never bought any Chrysler products or progressive car insurance ever since.

[@brentmenier3442]

That was a collision ...per your explanation,.. if you had collision insurance it was covered... contact a good lawyer... then sue the pants off progressive comp

[@vegancoastie9630]

Philip Banks The glory of capitalism baby!

[@bigwo56]

THAT SUUUCCCKKKSS!!

[@MrDamien1963]

Should've watched Scotty's videos on how lousy Chrysler products are. I I think they put engine and suspension components together with JB weld and silly putty!

[@Brucev7]

Never Fiat Chrysler

[@thomwat]

LOL - 185 insurance companies and their minions dislike your vid Scotty - keep it up!!

[@Frantic618]

253 now!

[@ChadEAult]

My Grandfather, who has been dead since 1974, always said: insurance is a scam!!!

[@rockspoon6528]

Everyone who sells it knows it.

[@coppcar]

Your Grandpa was right.

[@brendanyazzie2774]

im glad i know he died in 1974 to know insurance is a scam

[@ChadEAult]

Central Intelligence Agency What?

[@brendanyazzie2774]

@@ChadEAult cant dumb it down any further

[@sunrise8263]

The more I watch this channel, the more I want to sell my car and give up driving.

[@wade0921]

Sun Rise ...in a way I know what you mean, but we need to get from here to there and that might be 27 miles one way, like my work, so we’re stuck! And if I took public transportation it would take me 3 times the time it takes to drive. I think Scotty is honest and a straight shooter. At least he steers us to reliable cars (slightly used is best) ...all the best SunRise!

[@vickvega571]

Yeah I hear ya.

[@deebee9751]

I'm actually thinking of using a bike very soon

[@juliorobinson5386]

It’s not worth it trust me.

[@mikevidales8172]

haha

[@Rhadamistus5]

Scotty, I am willing to drive from my home in Washington, DC to the great state of Texas just so I can have the opportunity for you to inspect my car. You're a great American. Keep up the amazing work!

[@Legend7131]

Please be careful Scotty. Usually when people start talking about the truth they get silenced. Thank you though! Love your stuff!

[@jimmyers8114]

@Thiss** Guyy* amen to that. stand up is what this country needs.

[@thersten]

Tin foil hat wearer detected.

[@Kaliburz]

ya mean, dont have anything on HRC.... or Scotty might disappear...

[@ic6339]

Its best to exercise your freedom of speech (Sadly while KZbin still allows it here)...

[@shannonfrederick9163]

I think he'll be safe as long as he doesn't fix any cars for the Clinton's.

[@khultherro8613]

From my experience, ALL-STATE was a nightmare. Let this be a grave warning.

[@xenawolf]

Horrible company screwed me twice once on my home then my car, criminals.

[@Oakleyworld]

Interesting i had many claims and all been hassle free

[@Liz-cmc313]

I just got insurance with Allstate, 🤨

[@wayward03]

Refused to pay renters insurance claim...All State sucks.

[@Oakleyworld]

@@wayward03 they dont just refuse, their has to be a reason and your just ignorant in reading your policy

[@1232bluejays]

When I had my 1994 civic 3 years ago I was paying more in insurance premiums than the car was worth with not a single claim paid in my life driving since I was 16 now age 55

[@thegods2622]

Try raising your deductible and just pay cash for any repairs you get must of the time it's just body repair or replacement and insurance usually pays out a few thousand on top of your deductible.

[@joshros]

Lots of reasons that makes sense. If you had collision coverage then an older car is more likely to be toltaled of an accident happens.

[@jakegarrett8109]

That’s true for most vehicles. My RX-8 I got for less than $3500, spent $1000 on new tires (that’s with a discount, I need those tires for pulling G’s in the corners), but within 3 years my insurance will be more than that (also probably even my gasoline bills, which at single digit MPG, is not like that’s cheap...). My prior car was a super easy to work on and reliable Mercedes 300d (legendary W123 classy, also could change oil in a suite and tie without getting dirty, excellent car for normal people and mechanics both!), but the yearly rate was more than what it cost... The absurd insurance price (no change regardless of car) was so high, I decided to buy more exotic expensive cars since what’s $1000 tires and a $3000 blown engine every few years compared to the known scalping of $1.2k per year? I wasn’t going to drive some $400 to $500 car and pay the $1000+ yearly insurance for! It means that over the ownership, the fun track cars really don’t cost you that much more since insurance costs more than even drag cars that do wheelies! (It’s $8-10k for drag cars with preinstalled wheelie bars, extra for the parachutes).

[@Michael-fw5ef]

That's your fault, not the insurance company.

[@ericd.4460]

You're my kind of driver Dave. Houston is home to the shittiest drivers in the world I believe.

[@Desertvanlife]

Older vehicles and a good attorney Best 1-2 punch policy available

[@acreppinstp]

you explained the american health care system as well.

[@Humorlord17]

LMAO true

[@wayward03]

It's why you should never be required to buy anything...insurance included

[@clarissar1528]

He explained AMERICA

[@jacklobo860]

Matthew Way eh I under stand insurance mostly people don’t have the money to spend $$$$ on a car if it crashes.

[@svaz2006]

If the law required that car insurance cover routine or elective maintenance, like it does for health "insurance", car insurance/car maintenance would be equally absurd.

[@fuzzguzz2520]

Its sooo nice to have a person like scotty that actually has a soul and works hard and informs his fellow humans of great knowledge! you give me hope in this screwed money pit world.

[@martysk8r]

Car insurance seems to scam in many ways. One way is to charge 1 owner over and over for multiple cars. How about insure the driver, not the cars?

[@1redrubberball]

Exactly right! Glad you see it. If you have 2 vehicles and are the only driver, you can only drive 1 at a time, therefore only 1 can represent a risk at any moment. SCAM!!!

[@abelincoln332]

They make more money the way they do it. LOL

[@1redrubberball]

@@abelincoln332 Very true, but we can retaliate by checking rates everytime the renewal is coming up and jumping ship if necessary. It works and it saves hundreds. Cases in point! 2011- changed to Utica Ins Co, rate $700 or $800 annually. 2 years later they wanted $1000-$1100, jumped ship with Travelers for $850 & 2 years later they wanted $1150. Jumped ship with them in 2016 for $850 with Safeco. 2 years later they wanted $1150 and they are a Liberty Mutual Co. However the quote to replace them from Liberty Mutual was around $800-$850 but Progressive quoted $720. Went with Progressive! Here we go 'round the Mulberry bush. I can do it every year if I have to! They're all a bunch of whores!

[@m7amm33]

@@1redrubberball 🤣🤣🤣

[@johnchandler1687]

You used to be able to buy personal liability insurance that covered your liability in any car you drove. You couldn't let others drive your car but you could drive theirs and be covered.

[@SanitysVoid]

Farmer raised my rates by 22 dollars this year for no reason at all. I have zero accidents for over 35 years.

[@swampcrawlerls1267]

Scotty tackling the tough topics Scotty 2020!

[@chardmb]

Scotty for Democratic President 2020!

[@alialhomoud7799]

Scotty for the mechanic president2020!! Fixing the country.

[@timb4777]

@@chardmbLOL

[@filthyanimal874]

chardmb he’s too intelligent to run as a stupid democrat.

[@Mr.timecapsules]

@@chardmb Consverative Scotty

[@ShakespeareCafe]

That's why you buy a reliable used car and pay pennies on the dollar for basic coverage vs full comprehensive insurance that over the years could have paid for your used car many times over. Basically think of your car as disposable.

[@EnufAlrdy909]

That's what I do. My wife and I pay less than $300 a year on 2 cars and have for over a decade.

[@crystalbush5273]

Bingo!

[@juliorobinson5386]

Great info thank you.

[@zacharypeery4082]

I agree, but I feel like it depends on each individual. I have liability only on my car because I'm not worried about anybody trying to sue me, I don't have anything to lose really lolz. My 90 yr. old grandma who still drives her 2010 Toyota FJ Cruiser 4WD has great coverage because she has many assets to protect.

[@coltbrooks8529]

As an auto glass shop owner. I agree with met-life being terrible. They are a nightmare to deal with and to get paid for. They also refuse to pay the going rates for repairs. Top 5 worst insurance companies to deal with. 1.Met-life 2. Geico 3. Progressive 4. Farmers 5. Safeco

[@dav35601]

Auto-Owners Insurance Group Has Excellent Products For Business And Personal Auto Policies. They Are Great!!!

[@coltbrooks8529]

@@dav35601 couldn't agree more. That's who I use.

[@coltbrooks8529]

@Paul Stejskal Auto-owners, insures my auto and home.

[@meredithheadquist6657]

👎 with Geico!

[@onekoolfella]

I mainly watch these videos for the cards in the upper right corner. Hilarious. Keep up the great work.

[@GSskiracer]

Progressive did me wrong, no claims ever, tried to jack rates 25% goodbye to them

[@nrg16108]

Never trust a lawyer politician or an insurance company!

[@MrSgtau]

Same here. After Hurricane Harvey, Progressive tried to jack up my rates 20%, even though I've never filed a claim. I switched over to GEICO.

[@1redrubberball]

@@MrSgtau Yes, but this game goes on among a number of insurance companies. I get new quotations every year now. Typical scenario now is I get a quote 1st year for $850, then 2nd year for $1020, then 3rd year for $1163, etc. No change in coverage, no claims, no tickets, I'm the only driver and have a clean record. They're all mostly a bunch of whores. No loyalty to the customer, so no customer loyalty to them. Get new quotes every year, save $$$, hundreds of $$$.

[@TheFrenchPug]

Had the exact opposite experience. What a trip.

[@reelheel5919]

Progressive tried to jack my rate up almost $100 a month. I got a new policy from GEICO for about the same rate as my old progressive rate and I got more coverage.

[@jimgrady7458]

Call me crazy, but I think this has been on Scotty's mind for a while 🤣

[@SuperBigblue19]

I didn't have car insurance till 2yrs ago when I turned 58 and I've had a license since I was 18. I live where it's required, but if you don't get pulled over or get in a wreck or have a car note then you can save a grand a year. Well, at least that's what I pay now basically because I'm not the only one driving the car.

[@peggyharris3815]

Now let's talk about heath insurance and everything they don't pay for!

[@tqdinh2]

Healthcare are a rip off too girl lol

[@soisaidtogod4248]

Yeah, up in Canada had a heart attack, 17 days in hospital. Total cost 84.00 CDN. My sister is in the states, she had to have a kidney stone removed, but they needed 6,000.00 US from her before admitting. enjoy!!!!!

[@gangatalishis]

@@soisaidtogod4248 keep in mind that 6000 is with insurance.

[@joetroutt7425]

@@soisaidtogod4248 been through the whole kidney stone thing several times. The bill(s) I ended up paying was the doctor, anesthesiologist, hospital and urologist apart from what my insurance paid on top of co-pays.

[@wolfy1]

They are the absolute worst. We need a single payer system. Medicare for all.

[@arahn6408]

You're very brave, Scotty, calling out the insurance mafias' racket. You've earned my respect.

[@DennisCaruana]

I had Hartford thru AARP, supposed to be great for seniors, ha! No tickets or accidents for 15 years, had an accident caused by a commercial truck, only paid me 20k less than the value of my low mileage vehicle they totalled and auctioned off!! Then proceeded to raise my rates by 50 percent!! Went to Erie insurance company, lowered my rate with increased coverage!! Shop around!!

[@1232bluejays]

I'm the same never submitted an insurance claim my whole life yet my rates continually went up

[@villafontananorte]

That is when you threat them to leave or shop around. I did it to Progressive and they dropped $10 off my monthly payments. $60 every 6 months. I like Progressive, they are cool and polite to me.

[@kingtrav]

Same! No accidents or tickets in over a decade. When I hit 35 I thought I'd see it go down, but nope! Just keeps going up.

[@tqdinh2]

lol

[@karyannfontaine8757]

Same here.

[@markg999]

Shop around never stay longer than 3 years same company...that way you can get better quote. But everything goes up some.

[@joetorrez1873]

Yeah Scotty! All the thumbs down must be from insurance agents.

[@jeremy3747]

Not all

[@ADDwithJTC]

Fine fine. All thumbs downs are from Ex insurance agents and/or politicians and/or their significant others or others who don't know any better. There we go, that's better.

[@BenK12345]

damnit, now I had to go and calculate how much I've paid for insurance since I was 16... ~$39,000 so far.. and 0 claims..

[@giorgoscheristanidis6549]

The best insurance is to drive a Toyota of 94!! I love you Scotty

[@Obisp2]

Χερι 😂😂😂👊🏼

[@bajablast989]

Absolutely blows my mind when people pay more for insurance than their car payment

[@jasinbiggs7189]

I bought my car for $1500. My insurance is $80 a month. 19 months of insurance is worth more than my car. No wonder people drive with no insurance and no registration. They easily exceed the value of your in a short period.

[@jakegarrett8109]

Even my RX-8 is just like 3 years of insurance... my old Mercedes was MONTHS of insurance... other cars I was looking at were the same as 2.5 months of insurance, hence I said screw it, the insurance is the same, I’m getting a fire spitting gas hog that can whip a Farrari on the race track! No point in buying a cheap car when insurance costs more yearly...

[@990mustang]

Never go with liberty mutual. Raised my rates every year even though I haven't had any accidents

[@tater09l17]

They once told me “We’re raising your rate because there are a lot of accidents in your area”. I replied, “So what, they weren’t my accidents “.

[@stealthbomber2127]

I'm about to leave that crappy company.

[@stanroberts4820]

I got rear ended sitting at a red light. Their insurance said my car wasn't worth fixing. Paid me less than half the cost to repair my car. Lawyers said they can do that. Still driving it with the bumper and trunk lid damage. Insurance is a scam.

[@oldmanjim2376]

Payment is always: loss-deductible subject to limitations. If your loss wasn't near 80% of the car's value, then they should have paid minus the deductible. I'd need to see your car's KBB value and the invoice to repair to know for sure, but if they truly paid much less than they should have, you can report them to tmyour states insurance commission (or whatever it's called for you) and you'd have a bad faith claim in court which can cost them much, MUCH more than of they'd paid in the first place. You have he right to hire your own adjuster, but bear in mind, they charge a percentage of the claim. (Tx no more than 10%, as example)

[@mattboyer774]

Scotty, run for congress. Reform the whole industry. We believe in you!

[@nogodsnomasters666]

Or vote for Elizabeth warren...

[@AceJams]

@@nogodsnomasters666 what???? so we can get socialist car insurance too?

[@tylerfrank637]

One person can not change congress

[@52772]

Scotty has my vote

[@thundergato84]

@@AceJams You don't know what you're talking about.

[@nicholasselvaggi54]

Plymouth Rock now forces you to run a tracking app AT ALL TIMES to have a policy with them. I just turned down a discounted rate because of that. I will not run an app in my car every single time I drove, 364/365 days a year to have a policy. Ridiculous.

[@kingmiura8138]

Scotty Insurance...don't leave home without it. Scotty raises his hood to give insurance rant. Cornelius Vanderbilt owned a lot of ships....the insurance was too high...he became his own insurance co.

[@samsen3965]

The big giants are smarter than that. Apart form recent cutting the Tax, by their orange puppet, they have well established a system that if you get smart and decide to pay for yourself or don't joint them, you'll instantly face Law enforcement (Long arm of Green) and go to downtown, on bare feet!

[@joelspivak6622]

Sam Sen their " Orange Puppet"? A thousand times better than the Black puppet to The MUSLIM Brotherhood

[@NikoBellaKhouf]

@@joelspivak6622 Both Obummer and the orange Cheeto are Zionist puppets for Israel. The Muslim Brotherhood is a small political party in Egypt with no power. Their leader was overthrown and is being held prisoner. If they had any power, their leaders wouldn't be sitting in prison.

[@HipsterBot2000]

2:12 *MORE THAN 50K AGENTS* Shows a bunch of clowns lmao

[@KenPotter]

For the truth on Insurance Companies, watch "The Incredibles" - the scene where Mr. Incredible's boss calls him into his office.

[@eoinmaclean6478]

“House insurance...” shows house “Health insurance...” RIP grave LOL

[@pablosouth1240]

Mapfre's stock start it to go down right after Scotty released this video 😂😂😂

[@nancyd8031]

Scotty you’re like an uncle that gives us good advice, thank you 🙏

[@paulenglehart401]

Absolutley right Scotty !!!!! Excellent work by finally coming out to address this issue!! Thank you very much !!!!

[@TheBkdot]

I had one car incident where I drove into my sister's garage 15 yrs. ago 😂 and the last time I tried to apply for insurance 5yrs. ago, it was still ridiculously unaffordable. That garage incidents cost was about $2500.

[@rodneymolidorjr.6095]

I am 51 and haven't had a car insurance claim since I was 22 years old (minor accident $400 or so). Anyways, it seems to me that all insurance companies start out giving you a low rate, and leave it low for a few years, then start raising it every year until after 7 or 8 years, your rate is almost double what it started at. I think they count on a certain amount of people not wanting to bother switching again and just staying, albeit the higher rate. Seems abnormal and non-competitive to some degree. I hate all insurance.

[@videomaniac108]

Thanks Scotty for shining the light of truth on these cockroach companies. I've been a good customer of 21st Century Insurance for over 20 years and they've been pretty good to me and have consistently had very competitive rates for auto insurance. On the other hand, my former health insurance company, Aetna, was one of the worst companies that I've ever had the displeasure to deal with.

[@frisbee544]

So glad you mentioned MetLife. I used to be with them, never had a claim and got dropped with no explanation and even their local agent didn't warn us we were going to be dropped. That's how MetLife does business.

[@samwill226]

Use an independent agent always. That way you have options and someone who can shop the rate in-house when your rates go up. Stay away from captives, Allstate is about to take a 40% rate increase

[@Steelbooking541]

This video is smack bam in your face why Scotty is awesome and irreplaceable. Keep up the truth brother!

[@steve75112]

lol for sure never found a funnier channel from the yelling to the hand waving, the chaotic yard/house/garage this channel is interesting and extremely funny

[@ore83]

40 insurance companies have watched this video, so far.

[@user-bg2oi4bz3p]

It's only logical that it would be insurance companies down voting. My insurance on my $400 truck works out to $1.19 per mile.

[@joelspivak6622]

0† 4 that's terrible! It makes you want to go without it and play it safe, keep your fingers crossed, and the hell with them!

[@fidelcatsro6948]

looks like 167 insurance rats didnt like this video

[@Darknightdriver1]

189

[@jrchedda]

200!!!!

[@phillipprior71]

You were talking about Ins. for cars or trucks. I have a story. I drove a School Bus for 21 years, during that time I tried to get different Insurance for my car, I called "Progressive" they told me I had to take a class of 10 hours for safe driving or they wouldn't insure me? I tried to explain to them as a school bus driver we have to have 10 hours of classroom every year just to keep our cert. They wouldn't except the classroom for school busing, said I had to go to the school they wanted me to go to. I didn't go with them.

[@jacksavage197]

Here's a man telling the truth. Watch your back Scotty.

[@sirjohndoeofpa3292]

He's gonna end up as a human Guinea pig at Area 51

[@bridamy]

Your joking but it's not. Any person who thinks these organizations can't flip a switch and you never come home, are living in la la land.

[@maximuscomfort]

Jack Savage, I'm surprised he made it this far. God bless him.

[@joelspivak6622]

bridamy yeah, the CLINTONS are the perfect example! Killery has had more people bumped off!

[@ironmanironman408]

Joel spivak,lock her up,lock her up

[@jeffcarpenter8000]

My buddy got dropped by Allstate he never had a claim. He called and asked why they dropped him they said he was due for an accident.

[@greetswithfire1868]

Minority Report insurance company.

[@darlenepaul2934]

What????

[@mrshadow8096]

I’ve never heard that one before

[@WdnUlik2no]

"Bank Robbers" *shows Goldman Sachs* well played. 🤣

[@navret1707]

I’ve been with USAA for over 40 years; home and auto. Absolutely outstanding company to deal with. Claims are handled fast and don’t jack your rates for a claim. 👍

[@kidlatazul]

My experience with them is the same. Excellent company.

[@liuqingdn]

Is it only for military related?

[@insideoutsideupsidedown2218]

Hui Li yes.

[@tylerfida5774]

USAA has been great to me and my family as well. Only insurance company i have ever trusted.

[@ELGlueckert]

I feel like they're hard to beat.

[@outbacker292]

227 thumbs down....from insurance agents and executives.

[@Jzak25]

Thank you Scotty just found out from you I don't have to pay an arm and leg for auto insurance in TX

[@georgeclown4008]

I briefly worked as an agent, the reason I was given by insurance companies for raising rates, was there were a lot of claims during the year, so they raise the rates for every customer, even though you might have been a good driver. Which is a bit confusing because these are the carriers that focus on covering bad drivers.

[@marylynnmcdaniel7415]

Fast forward to 2022...Farmers insurance raised my rate $121 in 6 months. No accidents ever! The reason I was given..".the company has been taking rate increases to offset company losses. With the cost of new and used vehicles this has driven the cost of repairs up and we are all suffering now." I have not bought any new or used vehicles, no accidents, no tickets, no claims or repairs, but I'm paying for "their suffering"....

[@jkjokerlol8871]

@@marylynnmcdaniel7415 god damn that’s so stupid

[@Emma-ey8cu]

Good drivers pay high rates to cover those who don't have coverage but have accidents. I have over 30 yrs of perfect driving record and for no reason my insurance has been raised twice.. wheen I asked why wld someone with a perfect driving record have their premiums raised the agent literally said to me oh we don't go by driving record anymore...it's raised bc accidents in the area have gone up and many are not insured. We r literally paying for other ppls bad driving and no insurance

[@JL-gh4jy]

A significant reason for why this is so is reinsurance rates: insurance companies share their policies with other insurance carriers (manages risk). Claims of an area affects their bottom line and their attractiveness or detractors for reinsurance. Hence a lone good driver is affected by others behaviors. The response? You get quotes elsewhere and they match/beat them or lose you as a client. Watch the coverages.

[@Audiomainia2310]

Hey Scotty - I switched to The Hartford Group through AARP - always did a bang up job. Covered everything without hammering me. Recently, my rate went to almost $4000.00 - full coverage, new car. I called and complained - they reviewed it and adjusted to $2100.00 a year - paying less than I was. They are great to work with / look into them Scotty!

[@beatprocess]

You work for them? Lol. 😆. Just kidding

[@coolcatjohnny380]

Thank you for this very informative video, Scotty--MAJOR thumbs up! Although this may seem obvious, many people still do it: NEVER let an insurance company have a car monitoring system installed in your vehicle. It gives them incredible ammo to do anything from raising your rates to outright refusing claims. You can also kiss your privacy and credit rating goodbye.

[@mrwhitewulf2402]

i had Geico for 3 years and after renewing again for no reason they raised my premium from $522 (6mo) to $711(6mo), no coverage changes, no tickets, no accidents.....

[@godsfavdaughter]

Geico is infamous for doing that. They say it’s b/c they got permission from your state.

[@seinfeld8812]

Mapfre bought the Columbus Crew soccer stadium in Ohio and immediately tried to relocate the team strictly for a profit. It was the first soccer specific stadium built in the U.S. and provided affordable entertainment for a lot of folks. Keep up the good work Scotty!

[@bmuns6445]

My dad was in the Navy which allowed me to get car insurance from USAA. I have a 2014 VW Jetta GLI. My monthly insurance premium was $75/mo until I got 2 California rolling stop tickets in Beverly Hills. My premium doubled with two tickets to $150/mo. But after talking to other insurance salespeople I learned USAA would only increase my premium for 3 years while most insurers increase it for 5 years.

[@elmooko69]

These stories make me glad I am able to have USAA as my insurance company!

[@stevemccarty6384]

Been with USAA for over 50 years.

[@mrjack6969]

No matter which insurance company you have, you should get a quote from other companies every six months.

[@waltbullet1287]

This is so true! I pay for 1 yrs. Worth then they can't raise it till I renew then I ck. Other companies! Never fails prices chg!

[@henri6595]

@@waltbullet1287 I usually pay for 6 months at a time. I haven't jumped on the band wagon of changing insurance every 6 months but I might have to seriously consider it now!

[@terryopsahl1677]

Had farmers. It took 5 months to settle a $198 claim. Only settled after I threatened to sue!

[@johnsee7269]

Scotty never ceases to amaze me. I am always impressed and amused. Can't wait for the next video! "The friendly insurance agent and the less than friendly claims adjuster". (They keep those functions separate; lol.)

[@Operator-om8ih]

I’m going into the insurance business! I’m getting tired of knocking over kwik marts!😜

[@WhatsUpWithSheila]

Lol

[@johnsee7269]

AARP is just a front for Insurance Companies. Quitting AARP is like quitting the Mob/Mafia... SavageScotty is number One!

[@DanielIles]

Me trying to insure my vehicle *SCOTTY: STOP*

[@robertbennett2796]

You can put the state minimum and you can legally drive

[@jimmytimmy3680]

Scotty: Get Toyota's Car insurance. They are the best!

[@rurikvolkov2810]

@@jimmytimmy3680 they would be

[@josemartin598]

@@robertbennett2796 yeah but then you are paying money to receive no service. Than of course someone hits your car. Than you wish would have spent the extra money each month. Plus if you have a new or newer car there really is no way to get away from it.

[@robertbennett2796]

@@josemartin598 true unless ur rich u can be selves insured

[@paulsmallriver6066]

Good luck with Liberty Mutual. We had to sue them for non-payment. They , after a year, paid a big fine (hahaha!) and wrote a large check to cover what they owed us. They also had to cover our lawyer's fees.

[@ericd.4460]

Their quotes suck as well.

[@tater09l17]

And USAA is the worst for not honoring good driving. The worst. Had them for 20 years.

[@jnstonbely5215]

Scotty , Thanks for letting us know Mapfre / Commerce Insurance, Boston are NG !

[@kudakuda55]

One of the necessary evils in this world, judgement will come someday to those individuals involved who knowingly and legally rob people.

[@pennieshivaie3251]

AMEN !!!!!!!!!!!

[@kvhowells]

I have AAA and my car insurance just went up 217 dollars starting Oct 1st ….I have an old car and perfect driving record 😮. So irritated !

[@kvhowells]

BTW I called AAA and they said it was because I drove more than the filling year so I fell Ito a different tier

[@napamodesto8001]

What did we do to deserve such a mechanic? Keep it up Scotty!

[@robbyrob8349]

North Carolina has cheap auto insurance but, it’s the worst state for auto registrations. I went to the NC DMV and they said that I have valid auto insurance. They said that my auto policy never lapsed. But, they want an FS-1 from my auto insurance carrier proving that my coverage never lapsed. So, they already knew my auto insurance coverage never lapsed but, they want a form from my auto insurance carrier that it never did. Now, they revoked my auto registration. What a bunch of morons😡

[@n-joysilver7752]

Progressive and geico are decent, as far as paying, but they have their own adjusters that tend to put all used and aftermarket junk on your car.

[@kellykelly7747]

Love Scotty! All of your video are loaded with wonderful information!!!

[@terencejay8845]

All insurance is just dressed-up gambling. You're gambling you will need to claim, and the insurance company is gambling you won't.

[@chrischris4827]

and the corrupt politicians say you have to play!

[@britton6062]

The only thing insurance will insure is the fact that you will be screwed

[@truckinkw2]

Kilmer for president! Btw great HD camera work.

[@cool20131]

Dis-honorable Mention: ......ALLSTATE.....you're in the devil's scaly hands....home or auto

[@Kirisame312]

z moore knew a guy who used to work for Allstate. Even they would say things like "Allstate: you're in terrible, terrible hands."

[@michaelb.8953]

I use to be a Allstate customer myself for over 23 years for my Auto, home insurance, and term life insurance. Then they started calling about selling me a membership on their motor club, basically their version of AAA. I said, I wasn't interested. It didn't stop there as they then started harassing me all day long and calling me every 10 to15 minutes throughout the multiple days. By the end of the day I would have upwards of 25 calls per day from Allstate motor club. It got so bad I had to contact my Allstate agent and complain, but that didn't stop it as it only slowed the calls down slightly. I eventually had to pull ALL my policies out from Allstate and moved them elsewhere over to Erie insurance as I didn't want to give them a reason to be able to call me. It worked out in the end as I saved thousands of dollars a year at Erie. After the switch I realized how much I was overpaying as I was with Allstate far too long and didn't realize how much I was overpaying. Even my brother in law of whom is a branch manager for Allstate over 30 years doesn't even use them as his insurance provider.

[@eyehatefarcebook11]

ALLSUCK

[@zackschilling5154]

Allstate was awful progressive was awful only one I have had and still do because they have treated me well believe it or not its geico

[@f32_boost52]

@@michaelb.8953 Erie is dirt cheap for great drivers. I looking at getting a 135i and mind you I'm only 22. They quoted me 190 a month for my 135i and that is with full tort. While 190 is high, it's not for my age considering what my friends pay and they aren't driving BMW's.

[@ebc371]

it sure is refreshing to hear the truth explain so simply and truthfully. Thanks Scotty keep up the good work and stay safe

[@craigslistrro709]

My yearly premiums dropped a thousand bucks when i dumped progressive and went with Geico

[@AllThaWay]

craigslistrr O ha! That was the exact reverse for me

[@jedijakobi8978]

Sounds like my health insurance company... gotta fight for months for them to cover a prescription, yet it clearly state its covered in the plan they sent me ..

[@TheSupart91]

Last time progressive tried to jack my rates i cussed them out and told them if they can afford flo commercials they can take off $70 from my monthly bill ..... They did

[@BA-gn3qb]

Liberty Mutual gave me a great rate for one year. Then jacked it up like crazy. I haven't had a claim in over 15 years. Said it was because it cost more to repair cars. In 12 months it costs that much more? They just want me to pay for their stupid commercials. So glad I dropped them!

[@jacobhouk7016]

Liberty mutual is for the rich.

[@BA-gn3qb]

@@jacobhouk7016 Liberty Mutual is for the Stupid. 🤪

[@kurtzimmerman1637]

You have to love these insurance companies. They bought everyone on Capitol hill to write their own rules. 🤣

[@cgasucks]

and change the rules as they go along...

[@tqdinh2]

lol

[@teamawesome2171]

Wow...

[@DavidEsparza2143]

The No Financial Responsibility program was removed in Texas. You're better off now to get one month insurance per year for registration renewal

[@dens9057]

When AARP recommends the Hartford run away they will Jack up your rates as soon as they can

[@bishop9598]

Hmmm, I have Hartford and have been with them for 4 years. Their premium rate has gone down every year. I am now paying $640 per year for full coverage. Should they raise it at any point, I will instruct my agent to "shop" it. Of course, I have an impeccable driving history (no tickets, claims, or accidents for well over 30 years), and that no doubt influences the rate.

[@ar1701]

@@bishop9598 So, how long have you been a hartford ins. agent ?

[@bishop9598]

@@ar1701 Never have been one. I switched to them 5 years ago when I found that my 6 month rate dropped from $835 (Nationwide) to $384. Yep less than half. As far as what Den S said (that they will jack up rates after they get you signed on), I have found just the opposite. My rate has actually gone down as I am paying $365 for 6 month coverage now. May depend on your driving habits tho'. No tickets or accidents, or claims for over 30 years here. That rate is for Central Florida, although, I switched when I resided on South Florida's Gold Coast. It a comprehensive policy, that includes No-fault, collision, OEM replacement, road-side assistance, and all the bells and whistles I've always had.

[@alexisdiva9]

IF you can get a policy in the first place - I've been an AARP member since I was first eligible AND even worked a little over 3 years at a one time The Hartford subsidiary connected with AARP AND been claim free for over 10 years but they declined to give me a homeowners' quote. I suspect but can't prove that they redlined me since I live in Philly - and I really should drop my AARP membership like a bad habit.

[@lajya01]

If people weren't suing for any stupid reasons, one could easily live without insurances. I wouldn't be surprised if law firms and insurance companies were working together in all this.

[@magaisacult2023]

Of course Insurance companies make money, they are guaranteed to. They simply adjust rates to be more than claims...HOWEVER, in their defense, today's litigious society almost 1/2 of all accidents, regardless of how minor, end up in personal injury claims. Of those, 95% end up in settlements. Rough rule of thumb, lowest settlements are $7000-10000. Claimant gets $5000, $6000 grand, lawyer gets $2000 or $3000. Many settlements much higher of course. It's cheaper to settle than for Insurance Companies than litigate. The system is broken. In addition I blame both lawyers and the public. There are no ethics or morals in todays society, or at least very few.

[@johnjohnson5907]

William Cronin that all sounds cute. Truth is if you don't sue they will not pay. End of story.

[@markg999]

@@magaisacult2023 Yep...working in auto insurance 95% of my claims resolve with attorneys neither side usually wants to deal with the cost of going thru court. But I'd say over 50% of the claims the injuries are nonsense....and that's what is driving up premiums for all of us. The personal injury attorneys are making like bandits.

[@markg999]

@indemniman 162 Not always it depends...sometimes we take it to trial and win vs those scum. They are the reason premiums so high.

[@spaceindian2378]

You'd be surprised how many of these huge companies work together to screw the peasants