Appleseed said:In reply to Duke :
Unless you are male, and 18. Then its unaffordable. Sometimes we forget to bump it up once we prove we aren't idiots.
When I was 18, my insurance was $140/month.
I am 45, my insurance is $225/month. Clean record, no claims.
When does it get cheaper?
I suppose, technically, it has not kept up with inflation, but there was never a time it went down.
I borrowed a brush trimmer from a friend of mine to knock down some of the weeds in my back "40" flowerbeds. About ten minutes after I started mowing down weeds, the engine made a "Ptooh" sound, quit running, and lost all compression.
Spark plug ejected itself from the head at a high enough velocity that I had to use pliers to remove the plug wire from the plug.
There is a minor win- It's a Tecumseh L-head motor. I doubt there's a simpler engine to R/R the head on...
Pete. (l33t FS) said:Appleseed said:In reply to Duke :
Unless you are male, and 18. Then its unaffordable. Sometimes we forget to bump it up once we prove we aren't idiots.
When I was 18, my insurance was $140/month.
I am 45, my insurance is $225/month. Clean record, no claims.
When does it get cheaper?
I suppose, technically, it has not kept up with inflation, but there was never a time it went down.
When I was 18 my insurance was $125/month for liability only on an S10.
At 36, I pay $912/ year for two vehicles with full comprehensive and collision, with rental, and glass coverage as well. I guess there's an extra $100/ year for the AAA membership in the first place. Of course I'm insuring a 21 year old tank and an 11 year old stripper model civic sedan.
I've seen my payment go up in the past when I dropped from two cars to one, but zip code matters almost as much as credit score.
Two ~10yr old cars on full coverage, one on liability only, and one on storage only - almost $5200 a year right now. That's with whatever discounts for having homeowner's insurance with the same company. No glass deductible buyback, no rental coverage. berkeleying insane.
Cool. Family conflict. And I'm the go between punching bag. I'm fixing to tell the lot of them to berkeley off, be adults and solve this bullE36 M3 yourselves. I have enough crap to deal with.
If you're not going to send out books every year with lists of doctors that take your insurance, like you did forever, the least you could do is make a pdf file so I don't have to call every chiropractor in the county to find out if they take it.
Secondly, whoever keeps paying for random magazine subscriptions that don't expire for various members of my household, I/we would much prefer GRM, soldier of fortune, or high times over Elle, Vogue, and Cosmo.
Thirdly, berkeley memory foam mattresses. This thing is killing me. 2-4 hours of sleep a night now with constant lower back and hip pain makes getting pretty much anything done almost impossible.
Duke said:In reply to volvoclearinghouse :
That sucks and I'm sorry for your coworker, but not carrying Comprehensive is a fool's economy. One cracked windshield will pay for 3 years of comp coverage. All the cost is in Liability or, to a lesser extent, Collision.
Imagine the sort of person who is a single parent, drives (or, well, drove) a 10 year old Kia they financed from a BHPH lot at 27%, and could really use any extra cash they can scrounge up.
Not saying it was smart, and unfortunately some people make questionable choices and it really bites them in the ass.
She asked me if I had any recommendations for a cheap, good used car. I told her (per GRM) to look for a low mileage, well-maintained 2003-2009 Prius. Problem is, even if she found the unicorn, financing a >10 year old used car is almost impossible.
Pete. (l33t FS) said:Appleseed said:In reply to Duke :
Unless you are male, and 18. Then its unaffordable. Sometimes we forget to bump it up once we prove we aren't idiots.
When I was 18, my insurance was $140/month.
I am 45, my insurance is $225/month. Clean record, no claims.
When does it get cheaper?
I suppose, technically, it has not kept up with inflation, but there was never a time it went down.
The only time it's gone down for me is when I switch companies. Unfortunately, after a few years, it tends to go up again, so you end up playing insurance roulette. I just recently switched over my home and auto, and saved over $2k per year.
46, no points, clean record for the past >5 years.
I go on trips a lot for work as they are pretty lucrative as compared to working back home.
I am currently on a trip to a place I am not terribly fond of with the promise of 6 10hr days a week (I was working 6 12hr days a week back home when I left).
Due to incompetence of scheduling and other workers, I am on 5 8hr days right now and have to spend a 3 day weekend not working (i.e. not making money) and staring at the 4 walls of a hotel room.
Top it off with an extension of this trip for another week on my first day here.
I miss my wife, my dogs, and my project cars.
Granted this is not nearly as bad as the 2020 trip where I found myself 3300 miles from home when a pandemic started, with serious doubts about how I was to get home, a wife that bugged out to no cell phone land, a letter showing that I was allowed to be out in a lock down, and only two restaurants open overnight that I could get food from, I am sure there was more that trip. That one definitely takes the cake so far.
In reply to preach :
Most of my work trips are 2-3 days, but the last time I got shipped off to some place I'd never been for 2 weeks, I grabbed a cheap mountain bike off Craigslist and used my spare time after work and weekend to ride. Great stress reliever, and I think I lost 5 pounds while I was out there (as opposed to gaining weight from eating E36 M3ty restaurant food).
Unless you're someplace dangerous that you can't leave...
volvoclearinghouse said:In reply to preach :
Unless you're someplace dangerous that you can't leave...
And I am 3+hr from VIR.
Last time I got shipped off to a place I have never been it was blasted by a typhoon a couple weeks prior, was 85* and 90% humidity, and I got stuck there for an additional 10 days because I could not get a flight off of the island. I'd almost rather be there as it had a seriously rad JDM car scene.
In reply to preach :
I have had to travel a lot for work for the past 25 years. Some good, some bad but it pays the bills. The one that at the time was the worst but in hindsight wasn't that bad was a trip to Brazil, the company called me on Saturday afternoon and told me I had to go. I left on Monday morning with the instructions of "you have to make this machine run or they are sending it back". So me and an EE spent 6 weeks in the mountains of Brazil diagnosing and repairing a machine. Long days, no one spoke english, no time frame to come home, minimal tools, no cell phone, no internet. I was only married a couple of years at that point and had no kids. I missed my anniversary, labor day and the better part of a summer.
I know your pain, sorry you are stuck somewhere. I hope you find something redeeming to make the weekend not suck.
Isn't there a small part of you, a small part, that hopes your car has a catastrophic chassis failure and you barrel roll into a ditch, only to wake up from the coma years later, to find that all the bullE36 M3 that made this horrific scenario seem reasonable has washed away with time?
When I was 18, my insurance was $140/month.
I am 45, my insurance is $225/month. Clean record, no claims.
When does it get cheaper?
When I was 16 I was paying $120/month.
I'm paying about $65/month today
That $120 would be over $550 in todays money
Pete. (l33t FS) said:Appleseed said:In reply to Duke :
Unless you are male, and 18. Then its unaffordable. Sometimes we forget to bump it up once we prove we aren't idiots.
When I was 18, my insurance was $140/month.
I am 45, my insurance is $225/month. Clean record, no claims.
When does it get cheaper?
But how much of that is the Comprehensive coverage?
On our insurance, Liability is about 65% of the cost, Collision is about 25%, and Comprehensive is about 10%.
In reply to Appleseed :
Some days, I'd settle for dead in the ditch... although much less recently as I've made some changes in my life.
PM me if you'd like to talk.
In reply to Duke :
I asked my agent a couple years ago, comp was a few bucks a month for me
Duke said:Pete. (l33t FS) said:Appleseed said:In reply to Duke :
Unless you are male, and 18. Then its unaffordable. Sometimes we forget to bump it up once we prove we aren't idiots.
When I was 18, my insurance was $140/month.
I am 45, my insurance is $225/month. Clean record, no claims.
When does it get cheaper?
But how much of that is the Comprehensive coverage?
On our insurance, Liability is about 65% of the cost, Collision is about 25%, and Comprehensive is about 10%.
Interesting. For my insurance, we are similar, but comp and collision % are switched. I am 50% liability with max coverage, 17 % uninsured/under-insured, 10% collision, 23% comprehensive.
In AZ, un/under was almost half of my total insurance.
I really hate cold-call sales pitches.
But I also really enjoy cold-call sales pitches.
They try to do the thing like we've talked before when I know for a fact that we have not. "Oh, Bill, I'm so glad we've got this chance to reconnect!" "Oh? Re-connect? We've never spoken before." "Oh. Uh...."
Or they ask a question that should have been open-ended, and they mean for it to be open-ended, but it can be a yes or no. I give them the one word answer they didn't expect and then just sit quietly and wait for them to respond.
And my favorite is when they ask me for someone else's contact information. I'm always torn between just laughing at them or finding someone who's pissed me off recently and giving them their number.
this morning I woke up and tried to silence my alarm and dropped my phone on my face. I was so annoyed i made the conscious decision to go back to sleep and be a bit late to work
People who don't understand when to text and when to e-mail. If you are a customer with a problem, unless someone is about to die, don't text me on the weekend. E-mail me so that I don't see it till 6:00 AM Monday, I have an easily accessed electronic record, and I can enjoy my weekend. If you text me during a Saturday evening dinner party that you think my crew installed the wrong thermostat, you are thoughtless and in dire need of a life.
In reply to Kreb (Forum Supporter) :
Even worse are people who insist on threading conversations back and forth between text and email.
Keep a single thread. ESPECIALLY for questions that will have some discussion in answering, and will need to become part of the written record.
One of my minor duties as a deacon is the facility. We don't have enough parking spaces. The business across the street just sold to a new owner. I call the guy and ask if we can use the lot on Sundays. He wants a deal where we mow the swale in front in exchange, which sounds reasonable. Call our landscaper two weeks ago to ask their cost increase for that. Crickets. We follow up today. He can't give an estimate yet because of the hurricane.
I live in upstate SC.
Duke said:In reply to volvoclearinghouse :
That sucks and I'm sorry for your coworker, but not carrying Comprehensive is a fool's economy. One cracked windshield will pay for 3 years of comp coverage. All the cost is in Liability or, to a lesser extent, Collision.
Another way to look at it is that you're paying for a cracked windshield every 3 years whether you need it or not, and if you actually do, your costs may increase further...I'd say carrying comprehensive only makes sense when you wouldn't be able to afford to repair or replace the vehicle out of pocket. Otherwise you're just making endless, increase-prone payments on a loan for a repair you may or may not ever need. Now if you do it because you're super broke and know you can't afford the repairs, but you're financially pressured into taking the risk, you could end up losing that gamble, and then you're SOL.
I don't have a choice in Ontario and have to pay for a comprehensive policy on the Toyobaru. I could probably afford any repairs out of pocket, or at least afford to mothball the car if it was wrecked. Only one insurance company was willing to recognize my foreign driving experience at all and give me a discount vs. what a new driver would pay. Still, it's over $1500US/yr 
The car doesn't burn that much in gas in a year even if a Challenge entry is on the schedule. That's about what my combined tire & brake costs are if I run new full-retail tires. Insurance is the largest single running cost.
GameboyRMH said:Duke said:In reply to volvoclearinghouse :
That sucks and I'm sorry for your coworker, but not carrying Comprehensive is a fool's economy. One cracked windshield will pay for 3 years of comp coverage. All the cost is in Liability or, to a lesser extent, Collision.
Another way to look at it is that you're paying for a cracked windshield every 3 years whether you need it or not...
...except that the "cracked windshield" cost also just happens to cover your car for little things like theft, storm damage, wild fires, vandalism, etc etc etc.
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