STATE FARM WILL NOT INSURE MY GLADIATOR1

[TheDerb]

Another observation about insurance; You are participating in Government mandated gambling.
Insurance is mandated in all 50 states by the government in order to be allowed on government owned roads. Same as a driver's licence. No insurance? You are now an uninsured motorist AKA a criminal. No driver's licence? You are an unlicensed driver AKA a criminal.
By law, you must participate in government mandated gambling AKA insurance.
In a perfect world everybody would drive carefully and faithfully maintain their vehicles and animals would not commit Kamikaze attacks on your property. Insurance would be unnecessary. This is not that world.
So, how much are you willing to bet? How risk-averse are you? How financially stable are you?
Did you pay cash for your current Jeep? Can you pay cash for your next one without selling this one? How much do you trust your driving skills? How much do you trust the driving skills of the oncoming drunk one-eyed stoner that was just stung by a scorpion whilst simultaneously being bitten by a rattler? Who, coincidentally forgot to renew his driver's licence and thinks insurance is for wussies?
It's a gamble. In this case, full comprehensive would be your best bet, but unless you visited a world class fortune teller last week, you might be boned and only have liability.
Let me get personal.
My mother taught me to never use Hire Purchase, British for credit. She told me that if I could not pay cash, I could wait until I could afford it. I took her at her word.
We were poor, no shoes, dirt floor corncob poor. She bought my school shoes 3 sizes too big in January and stuffed the toes with newspapers and if I was lucky (not often) then the following year I could wear them without cutting the toes off. The shoes were only for school and came off whenever I got home from school. Uphill both ways in six feet of snow, Boo-Hoo.
You get the picture. I joined the Royal Navy at 14 (lied about my age) and sent the money home to feed my sisters and brother.
So why am I telling you all of this? For sympathy? Hell no! Just background so that you might understand my pathological quest concerning saving money.
Have I ever bought a new motorcycle? Yes, seven of them.
Have I ever bought a new car? Yes, six of them. (All Jeeps!)
Have I ever bought a house? Yes, three of them.
Have I ever borrowed money from anyone or from a bank? No, never.
Have I ever been stung by a scorpion? Yes, but not whilst driving.
Bitten by a rattler? Ditto last answer.
Stoned? Never. Drunk? The 5th. One eye? Nope.
Do I have a valid driver's licence? Always.
Do I have insurance? Only Liability for over 50 years.
That last one convinces people that I am insane. Why? My risk aversion is low.
Why do you care? My liability will cover you if I am ever stung, bitten, drunk and stoned.
How much money have I saved? More than enough to buy another brand new Demon powered Gladiator.
Do I drive super, super, super slow and carefully?
I raced Superbike on the European F1 circuits in the 80's and 90's.
I have driven at over 200 MPH on the Autobahns and had my Gladiator up to 147 MPH.
Don't worry, I've never had an accident and I probably never will now that I have one foot in the grave and one foot on a banana peel.
Am I insane? Probably.
It all depends on how risk averse you are willing to be.

This seems like a troll post, but if its real:

All these experiences and all those fancy things you bought and you never realized that if you get a mortgage at a lower interest rate than what you earn in your portfolio you make a heck of a lot more money? The richest people in the world have mortgages because they make their money and investments work for them. It took me 33 years to make my first million. I was 38 when I made second. The third will be here by the time I'm 40.

You could have changed the answer to "how much money have I saved" to "Enough to buy a Sunseeker 65 footer" if you'd have taken out a few loans.

Your pathological quest to save you money kept you from earning money. Sounds like VERY bad advice to me.

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[Orange01z28]

I spoke to a broker yesterday because, like everyone, am shopping around due to skyrocketing rates

Unfortunately, many insurance companies are not writing policies right now or are writing them at extreme amounts because they've jacked up rates and everyone is looking around. She told me my rates are actually "good" but I'm paying about $350/month for a 2020 JT and 2018 Atlas

We're seeing some amazing collusion right now. It's gross

 

[Hootbro]

There is a new road I use frequently.
Initially it appeared on my Car Play GPS.
I updated my Garmin to include it.
The Garmin displays the speed limit as 39 mph, the posted speed limit is 40mph.
I can just imagine what the tracking device would provide an insurance complany. I’d bet it would continually identify me as doing 10 mph over the limit and adjust my driving habit trend as constantly exceeding the speed limit by 10 mph!
I doubt that would lower my cost of insurance!

The dongle devices that plug into the OBDII port do not necessarily track if your speeding in a certain location. They are mainly a recording acceleration and hard stop events.

If using a phone app based one, then yeah, they are tracking you by GPS and speed/location through your phone.

 

[Sweetums]

I'm sticking with USAA, but I will probably take the last motorcycle off the insurance since it's parked with a bad water pump. I won't be able to get it back on USAA - so it will move to the Progressive policy for the bikes. Unfortunately, USAA will no longer insure motorcycles in my (or possibly any) state; I'm just grandfathered in with this particular motorcycle.

I also have a very clean driving record, my last ticket was over a decade ago and I've only had one at-fault claim in nearly 20 years. That last ticket was a hell of a thing, cop thought I was doing nearly 100 mph as a 6'4" 250 lb guy on an EX250 with a clogged carb jet - the knuckledragger didn't understand the difference between "pacing" my speed and his "intercept" speed.

 

[River2016]

2 windshields from pebbles in Florida and one windshield from a pebble in Montana on my way to Alaska. No teens, no DUI, I‘m. 77 years old.

That don’t mean shit. Ask ol possum. Didn’t he get one on his lawn mower? Lol I know plenty ol boys driving w out a license out towards the sticks in South Carolina down into to GA. Look up ninety six SC. Good place to start if you looking to live that type of life lol.

I’m just kidding … but seriously.

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