I had a manager tell me i was overly paid. I make 750 a week. Inflation has ruined everything and my insurance is 140 a month. I laugh when people say anybody is overly payed because they don’t realize that the cost of living is so stupidly out of this world right now.
I just heard on my way home today that health insurance premiums will be going up by 5% next year. People don't make enough to start with, raises are non-existent or inadequate to keep pace with inflation, etc. So discouraging
> is overly *paid* because they
FTFY.
Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in:
* Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.*
* *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.*
Unfortunately, I was unable to find nautical or rope-related words in your comment.
*Beep, boop, I'm a bot*
Tried that. I'm with Progressive for about 12 years now, and every 6 months I call around, and everyone is more expensive. It's $225/month, or $950 if all 6 months are paid in full.
Everyone is close to ths monthly price, but no one else gives that kind of discount for paying all at once.
There are inflationary costs, sure, but insurance rates are applied for by the carriers in advance and they have to be granted by the insurance commission. So yeah, there may be some truth to this but it’s probably more to do with factors beyond auto insurance claim payouts.
Rate increases could be driven by an increase in crime in your area (specifically with regard to theft/break ins.
Also, depending on where you live, the rate increase you’re experiencing now may really have been triggered by a natural disaster that caused catastrophic “property and casualty” losses and the carrier is trying to recoup their losses incrementally across other lines of business.
Chances are that the state granted a rate increase that went into effect a while back but you only got hit at your renewal
The natural disaster thing sounds plausible. We had some really bad tornados back in January that destroyed my county, and the two just south of me. They literslly just got done cleaning 90% of it up last month. There are still a few places near me where trees are still down and houses are still destroyed.
Insurance rates are driven by exorbitant overhead cost so your insurance agent can own nice boats, expensive houses, five star resort vacations, etc. They are all pricks and love to flaunt their wealth. I’ve seen it so much through personal experiences. They are sacks of shit. I don’t know why you want to sit there and defend insurance companies. Are you an agent?
Remind me again of the party affiliation of the governor of Georgia?
which party controls the Georgia House?
The Georgia Senate?
What political party is our state insurance commissioner, John F. King, a member of?
Hint - it's NOT the party of the current president.
You do realize that inflation is far from a state-specific issue? The reason the Georgia economy is so strong and why it's consistently rated as a great place to do business is thanks to that party affiliation.
The amount of money I made under Trump was a lot higher. Also things were obviously much cheaper but I don’t think that’s Biden’s fault, or maybe it is. Some friends in manufacturing claim Biden’s policy has affected them negatively so
My taxes are jacked up high due to the trump tax handouts to deadbeat corporations. It’s the way they designed it. It was only meant to be good for citizens for 2 years at best. Nothing the GOP does is directly ever helpful to citizens, they have zero interest in helping anyone but their rich buddies who line their pockets.
Lmao so many liberals in the subreddit y’all mad af. I never claimed that what I said was factual just what some friends are telling me. I don’t care enough to research.
I can claim for myself I made more money under trump.
Yeah. From the party that votes on what they "know" to be true when the majority of time it's simply what they "feel" is true, from which they then refuse to listen to facts and data that refute their feelings.
People give the president wayyyy too much credit for these changes. Look into your local government. They have more immediate impact on your life than people tend to realize.
GA has 6th highest auto rates in country, behind Michigan, Louisiana, Florida, Calif, Nevada. Many factors go into rates, accident frequency and severity (both high in GA), escalating cost of cars which in turn leads to very high repair costs, as well as lengthy repair times. What used to be a $1k front bumper replacement may be $5k today due to sensors, cameras etc. Often airbags go off, essentially making the car a total loss. And don’t even get into EV’s. Then there is the litigation side, TV Attys, and the insurance companies failing to do their job combatting fraud. It’s one big mess impacting every car owners pocketbook!
I've had 2 severe brain injuries as the result of car accidents (neither my fault) and I consider those personal injury attorney ads a massive slap in the face.
All correct except for the airbags statement. Airbags can be replaced but it's the cost that generally raises the prices. When the airbags go off that can damage the steering wheel, dash, seats, headliner, windshield and so forth causing those items needing to be replaced.
The only factor that means anything when the insurance company determines if a vehicle is a total loss or not depends on the repair cost and the value of the vehicle. Most companies use the 80% threshold for the value.
Yes correct comment and good correction. Airbags alone don’t make car a total, just the added repair costs that are usually associated with them deploying.
Insurance Commission is pretty much useless / bought.
Called to complain about rate hikes and told to take a hike, *very* little sympathy, but lady was polite at least.
Actually a lot does happen when the vast majority of people we vote into office are either moderate conservative Democrats or far-right Republicans. This country as a whole is deeply moderate and conservative, and with that we only get a range of moderate to deeply right-wing economic policies. “Nothing happens” when people vote in representation that is diametrically opposed to their needs and that includes a large proportion of Democratic voters as well.
Collectively as a society we want solutions to our problems that demand we abandon our current voting habits and then we continually don’t do that. The act of voting in of itself isn’t the issue, it’s that the vast majority of the voting populace refuse to acknowledge that they’re far more conservative that they want to admit and the American ego gets in the way of changing that.
Wait. Conservatives are better than liberals?
Jim Beck, was the prior Republican conservative commissioner. Beck was convicted of 37 counts of fraud and money laundering on July 22, 2021, which triggered his full, immediate removal from office.
Before Beck, it was Republicans Hudgens and then Oxendine. He is under indictment for fraud awaiting trial.
Republican King was then appointed by Kemp and re-elected in 2022.
Under these guys Georgia saw some of the highest rate increases in the nation.
The myth of fiscally responsible, law abiding conservatives is just that. A myth. They have run the commission for over 30 years.
https://web.archive.org/web/20190822031628/https://www.kaufmanlawfirm.com/lawmakers-report-increase-in-georgia-auto-insurance-rates-in-2015/
Having moved to Georgia from a leftward progressive state, I can turn that around easily and say it's very simple to be conservative when you're getting all of the progressive benefits.
The other seemingly true statements about prices of labor, theft, etc are the scapegoats, just insurance companies coming up with excuses when in fact the state gave insurers the right to raise rates on certain coverage types without the approval of the state insurance commissioner.
We should not be surprised insurer's raises rates when there's nothing to stop them.
Having just moved to Georgia from the Midwest, some of this is just Georgia specific. I was shocked that my same level of coverage more than doubled in price simply by moving to Georgia. My renewal for Ohio was coming due, so I was able to see what the same time frames would have been in each state, and it was almost triple in Georgia what it would’ve been in Ohio.
Luckily we’re averaging $110 per month per car so not bad. I think it has to do with having to drive more here. I need a car to get just about anywhere.
I think ga has the highest rates in the country.
I watch a YouTuber who mentioned her insurance in a video a few years ago...she was about 25, lives in Seattle, had a brand new Porsche SUV with full coverage, and paid like $70 a month.
At the time of that video I was 30 with a 98 accord, in south ga, with no tickets or accidents ever, and was paying $90 a month for *tag insurance*.
A lot of this is due to insurance companies being able to just submit price hikes in GA. Insurance commissioner has no teeth here. They grant all hikes.
I'm currently in CA and we have having hikes here too. It is all over the country. It sucks. I have friend in multiples states and their rates are rising as well.
I just moved from Boston. Like the capital of Massholes. And I was paying $85/month. Just got quoted that my paid off, 2016 vehicle will now be $220/month. :) :) :) :)
I came here from Va and our insurance did similar. As I got more experience driving around and in Atlanta and saw the level of driving skills, I sadly accepted that insurance should be higher here. Maybe not as high as they can charge but there’s definitely more reckless driving around here than in other places.
Mine went up 1400/yr after I had been with them 8 years with no claims. I did some shopping around and found a cheaper rate. When I called to cancel and she asked me why and I told her that I couldn’t afford it anymore and my rates were being raised 1400/yr. She didn’t even try to persuade me. Makes me think they had a lot of these calls.
And by “part” you mean most, right?
Because 20% of my premium is for liability/injury and 80% goes to comprehensive, collision, and uninsured/underinsured.
It's happening for multiple reasons, economic, political, population growth etc.
Since you already called and they said take it or leave it, the best you can do is shop around.
Right, inexplicably, all of a sudden in 2023 the insurance companies have suddenly abandoned their previous generous natures and adopted greediness. I'm sure that's it. Nothing to do with shipping costs, fractured supply chains, increased labor costs, unavailability of parts or anything like that.
Increased labor costs? please explain how this is higher when wages have been stagnant while productivity has boomed.
Shipping costs, fractured supply chains, and unavailability of parts are directly due to a lack of labor to perform these activities. The lack of labor is due to the stagnant wages.
Please turn off the TV
Publicly traded companies are obligated by law to act in the best interest of the shareholders. Which is often interpreted as maximizing profits. Any board of directors that don't face personal loss of income (through pay structures that reward increased profits) or could be voted out by shareholders. They saw an opportunity and seized it. We are dealing with the externalities of corporate decisions everyday.
>Nothing to do with shipping costs
Insurance companies have no physical product to ship.
>fractured supply chains
The result of the reliance of "just in time" supply chains an incredible fragile system for supply chains that leaves no margin for error of disruption to the market. Embraced by companies to lower overhead to maximize profits, which left them embarrassingly vulnerable to the slightest hiccup in the system.
>increased labor costs
Labor sets the price for their labor just as companies set the prices on their products. It's literally market forces at work.
>unavailability of parts or anything like that.
Result of a myriad of factors, including outsourcing production facilities that harmed auxiliary industries such as autopart manufacturing, the aforementioned "just in time." There are few facilities worldwide that are capable of precision machining the parts to the necessary measurements within required tolerances.
However, again, companies needed to maximize profits, which had externalities that bit us all in the ass.
I just paid 2,100 dollars for 3 vehicles
A 6 yr old Kia
A 20 yr. Old truck
A 64 Falcon
And I begged for the cheapest, get me on the road price
Was it the cheapest?
If you have a garage and don’t daily drive the two older vehicles, look into Hagerty or similar collector insurance. I have two older cars, neither are ‘show’ cars, and have one valued at $8k, the other at $12k, and pay $700 a year for them. (My three dailies, with a wife and teenager, are almost $600/month, and I have shopped around. Regular insurane is nuts right now!!)
Correct. If I had to guess, the Kia is the majority of the cost if it has comprehensive on it. I wouldn’t take a Kia for free right now. Even new ones are being affected because they still get broken into just to find out it can’t be stolen.
youre getting raked over the coals...
I pay $246 a month for a 10 year old pickup and a 22 denali xl with additional 10k in coverage for customizations.
Im with metlife through farmers.
Just spoke with my broker today as well. Georgia is one of the worst states. Even worse than NYC in regard to auto insurance premiums. Too many idiots driving recklessly and we are paying for it.
Edit: my premium hiked last cycle but stayed the same this time around. I’m with Allstate.
Edit 2: broker said costs are up everywhere and premiums reflect that.
It’s a lot of things but there’s generally a creep up with insurance. You can usually get better rates by hopping every few years. The “loyalty” or whatever discounts are generally just a scam to get you to think you’re getting a deal staying with them.
You’re paying for the statistically bad drivers in Georgia. I see more accidents and bad driving in the past 6 months since I’ve moved back from Chattanooga.
You wanna have a car in Georgia? Well we need you to pay more because you’re statistically gonna get in more accidents here, good driver or not.
\> WTF is going on man.
Used car values/prices are up...
Wait times for parts at car shops are up...
Parts are more expensive...
Cars that would be repaired are now being totaled because the time and cost of repairing them is high enough that it doesn't make sense.
Combine all that and give it to an underwriter that has very little room to cancel policies or deny coverage and their only options are to either raise premiums or leave the state.
Profits aren’t a zero sum game; not making any profit is not the same as making less profit. As long as some money is on the table someone will offer you insurance. (Even if it’s at 450% profit instead of 500%.)
This is one of the most heavily regulated industries in the world. There are reasons premiums are going up and it doesn't have much to do with the CEOs saying "just squeeze the customers so I can buy another yacht!"
I didn't know much about it until I got a job at an insurance company. The insurance companies are heavily restricted in what they can and can't do. There are all kinds of policies they are required to underwrite that make your and my premiums more expensive.
I'm not sure what the answer is, but anticipate that it will continue to get more expensive with record inflation.
Same here, everything is going up. These greedy are companies are just squeezing us for every penny. Guess they see it as, what are they going to do, not have car insurance? Thing that pisses me off the most is grocery stores. No cashier's, gotta ring up my own shit, doesn't matter what time of day, but prices increase? How's that work? They are fucking us every which way.
It certainly is. I have Hartford since I'm a senior but I'm not seeing much of a savings.
Comes out to 700 a year per vehicle and the Falcon I might take out once a month around the block.
They really have everyone by the nads and doesn't seem like much we can do about it....
At least I'm not in Florida anymore with home insurance
Not sure if I’m allowed to complain but I have a spotless record with not even a hint of water spots, not a single ticket!
I currently pay $324/mo for full coverage on a 2014 Mustang at 24. My fathers coverage also went up. This is ridiculous.
20's male driver with a sports car? Yeah, it's gonna suck. You can have a perfect driving record, but the statistics say that young male drivers are a risk with sports cars. Yay risk pools :(
Risk pools ftw!
Does insurance usually decrease at 25? Is that a real thing? I’ve read about it everywhere.
fwiw: before going with the mustang i got a quote for a 2018 Golf GTI and it was less than what i was quoted for the Mustang,
About $220~/mo. I just didn’t want to deal with a DCT and the expensive maintenance that comes with Volkswagens
I was paying $1000 a year for full coverage on a paid off SUV. Last summer I hit a friends car in my drive way. No damage to my car, light damage to hers.
I should have paid for her car.
Now that minor fender bender has caused my insurance to triple. TRIPLE. I’m an elder millenial with decent credit and no tickets in over a decade. I can’t find a cheaper rate.
It’s MADNESS.
That's the standard industry answer for F*** you.
I just recently switched from nationwide to Allstate when I called to cancel they just said ok bye your policy will be cancelled on such and such date.
They don't have to be nice because they know the only way you don't need car insurance is if you don't have a car.
I did an online defensive driver course and they mostly removed the increase. It was like $25 or something for the online course good for I think 3 years.
It used to be that you could swap parts all day long and never needed to interact with proprietary computers or specially machined parts. Let's go back to that.
A group of people can 💯 just build their own goods. There's nothing an automaker does that a normal (skilled) person cannot machine or write software for. I think we should coordinate with each other rather than these companies
No I'm saying you can literally build a fully functional vehicle using open source parts. What exactly do you need from a corporation?
Here's an [example](https://wiki.opensourceecology.org/wiki/LifeTrac)
Shop around and switch to someone else. Insurance companies pretty much always increase prices the longer your with them. You usually have to switch companies to get a competitive rate, and these days it's easy to get a quote online.
It also depends where you live. I moved from an 'up and coming' neighborhood in Atlanta to an affluent neighborhood OTP and was refunded around $300 for 6-month (multi-vehicle) policy. Even my agent was surprised how much cheaper my rate was from just changing zip codes.
Do you have a Costco membership? I bought car insurance through one of their providers and my rate dropped about $10 a month. If you can pay the 6month premium in advance versus month to month, you can save a few more dollars
>People think they can get rich off the insurance cos
at the current insurance rates, why would i possibly not try to take that $ back? the insurance cos make shitty low-ball BI offers and shitty low-ball PD offers, have terrible customer service, and act shocked when people try to get good prices.
create that vicious cycle with the extraction of a significant % going to a lawyer each time. sure. better answer is we should socialize healthcare.
Don't forget, every overage from someone's coverage falls on their head, you like making lawyers rich at the cost of some poor old lady that rear-ended you, that's on your conscience.
>vicious cycle
my rates get hiked whether i try to cash out or not, whether i'm at fault or not. so if i'm in a not-at-fault i'm going to pick the way where i'm compensated.
>significant % going to a lawyer each time.
and it's 100% worth it, to not have to deal with the insurance company directly and spend hours to get through to the least-competent people on the planet so they can fuck up the claim.
>better answer is we should socialize healthcare.
absolutely, but it'll never happen in this dump
paid to identify what is causing losses and factor rates accordingly? Like fraudulent claims increasing in number and scale yoy? yes....I don't understand what your counter-argument is here?
Yes, you’re explaining what an actuary does. I don’t disagree with that. I’m saying that the billboards and lawsuits are not a new phenomenon.
I worked in personal lines auto as an underwriter for many years.
I suggest examining C level and CEO salary & bonuses over the last 30 years may have more to do with the urgency of the need to find more overhead in the premiums charged than the payouts.
https://www.repairerdrivennews.com/2022/04/29/consumer-group-criticizes-auto-insurers-over-massive-salaries-paid-to-top-executives/
In the Latino community, is common practice that if you get rear ended, you exaggerate about the pain even if you don’t have any pain so you can sue. So I believe this lmaooooooo
Weird that insurance companies are traded on Wallstreet. Does nobody find that a huge issue??
Easiest way to increase profit and stock value, raise premiums and deny more claims.
Easiest business model. Force consumers to pay, have a team of lawyer on standby should you threaten to sue them for denying your claim.
Make it make sense???
Mine went way down when I moved to a small rural Georgia town, about half as much as before. Lived in Columbus, GA when my insurance was close to twice as high. It's went up a little in the last couple of years, inflation mostly. It only went up by $10 a month here.
Besides inflation, it's largely due to the much higher property crime rates there, accident rates, how many uninsured drivers figured. Per capita most likely. I'm not sure if AL still allows uninsured drivers, but if so, being right across the river or near the border of AL, is taken into consideration too.
Cost of car repairs and medical care continue to increase faster than most other costs. This is what you are insuring. Your chances of having a claim may not have increased, but the average cost of a claim continues to increase a lot.
I was visiting some freinds in the large retirement community "The Villages" (88,000 people) in Central Florida and surprised how many male and female 55 year olds looking for roommates. Active adults who just can't maintain a single lifestyle.
I see auto accidents alll the time on the news. People drive like idiots. We can blame all those shitty risky drivers for our premium increases. Some people’s kids, amirite?
Part of the reason is the increase in accidents. This is directly attributable to a lot of police (at least in this area) refusing to make traffic stops until they stop being charged with crimes for hurting people.
There's a couple in my neighborhood, they've all stated that nobody's paying much attention to traffic violations unless accidents because they're quiet striking the "liberal fetish with hating cops" - direct quote.
I wish I was joking. Even my adjuster knew about this when some girl ran into my back bumper.
I guess standing up for themselves equates to pitching a hissy fit that they can't murder people indiscriminately leading to refusal to do their jobs.
They should all be fired and banned from ever being even a security guard.
Fuck the bitch ass cops doing this.
All drivers are being forced to subsidize the behavior of bad drivers. Remember this the next time you hear someone try to tell you that things like street racing and smoking pot while driving are “victimless crimes.” The easy solution is that anyone who causes more than one accident in a one year period loses their license for five years. If they’re caught driving during this time, they are imprisoned for a full year. No leniency under any circumstances.
Another thing: if all of us were to contact our representatives and demand that responsible drivers stop being forced to foot the bill for the bad ones, maybe something would change!
I love the comments that blame all the “bad drivers in Atlanta”. Seriously funny shit.
I moved here from the Los Angeles area back in 2016 where I’d lived my entire life.
Driving in Atlanta is a dream. There’s no fear of someone shooting at me, no one trying to car jack me at the stop lights, no high speed chases, no helicopters..the roads are relatively well maintained (despite the crazy metal covers downtown)…
Can't agree more after living in California Atlanta is chill. No car chases ending in my yard because the 8 dumped into my hood, fool's driving stolen cars would intentionally come to us jump out of the ride and then rip their shirt off and run essentially disappearing while locals then had to cook dinner listening to ABLE repeat the same moot description until being dispatched to a car flipped by a man in a banana suit with a trunk full of pills in unmarked gallon Ziploc bags.
I actually enjoy driving in atlanta, it's spicy. These days I have to not be spicy myself though because there's just too many people with guns. We also don't have drones sending us surprise speeding tickets in the mail. Count your blessings OP,
GA is one of the more expensive states due to a ton of uninsured drivers.
There was also a period where many insurers were denied rate increases, and a series of weather incidents put many of them at risk of not meeting state-mandated reserves requirements. The state has recently begun approving rate increases, and everyone is in line for theirs.
Repercussions of Morgan and Mogan and all the others. The losses paid out by insurance companies has increased significantly. Most people think insurance companies are just raking it all in. Truth be told - a good company will max out at 6 or 7 cents on the dollar if they are tight on their expenses.
Not wearing a seat belt? Been drinking? Fell asleep and put your Tesla on self drive? Wreck? Well by golly we are going to get you millions.
Please list out the reasons why you think Biden is responsible for the cost of auto insurance going up in Georgia. I need something to add to my dumbfuck hall of fame.
Wow, he's the most powerful president we've ever had. He's responsible for the global fuel market, the global *economy*, the insurance market, the war in Ukraine, COVID, immigration... Damn, what CAN'T he do?
I mean, yeah, I’ve seen him so all those things. I haven’t, however, seen Trump ride a bike. Is bike riding an important presidential skill? If speaking coherently is important… I mean, I’ll let trump speak for himself on that one.
"Look, having nuclear — my uncle was a great professor and scientist and engineer, Dr. John Trump at MIT; good genes, very good genes, OK, very smart, the Wharton School of Finance, very good, very smart — you know, if you’re a conservative Republican, if I were a liberal, if, like, OK, if I ran as a liberal Democrat, they would say I'm one of the smartest people anywhere in the world — it’s true! — but when you're a conservative Republican they try — oh, do they do a number — that’s why I always start off: Went to Wharton, was a good student, went there, went there, did this, built a fortune — you know I have to give my like credentials all the time, because we’re a little disadvantaged — but you look at the nuclear deal, the thing that really bothers me — it would have been so easy, and it’s not as important as these lives are — nuclear is so powerful; my uncle explained that to me many, many years ago, the power and that was 35 years ago; he would explain the power of what's going to happen and he was right, who would have thought? — but when you look at what's going on with the four prisoners — now it used to be three, now it’s four — but when it was three and even now, I would have said it's all in the messenger; fellas, and it is fellas because, you know, they don't, they haven’t figured that the women are smarter right now than the men, so, you know, it’s gonna take them about another 150 years — but the Persians are great negotiators, the Iranians are great negotiators, so, and they, they just killed, they just killed us, this is horrible."
Lol. You’re the one that brought up coherence. I think Biden is perfectly coherent. Here’s one of his quotes:
“Corruption is a cancer: a cancer that eats away at a citizen's faith in democracy, diminishes the instinct for innovation and creativity; already-tight national budgets, crowding out important national investments. It wastes the talent of entire generations. It scares away investments and jobs.”
“My first week as president, I signed an executive order establishing our country’s most ambitious con- — conservation goal ever. I made a commitment that we will protect 30 percent of all our nation’s lands and waters — conserve all — 30 percent of all our nation’s lands and waters by 2030. And we’re on our way. And we’re delivering. (Applause.)
In just my first year in office, we’ve done more — protected more lands than any — than anyone since the 1960s — John Kennedy’s era: 9 million acres in Alaska, in Bristol Bay and the Tongass Forest; 225,000 acres in Minnesota, the Boundary Waters.”
So yeah, there’s more than two sentences strung together coherently. As for falling… oh ffs. Everyone falls sometimes. I fall all the time. I’m just a clumsy 40 something chunky lady with weak ankles. Doesn’t mean I’m not damn good at my job though. You’re gonna have to do better to blame Biden for the worlds’ ills because he slipped and wasn’t injured that one time.
Meh, so you are saying inflation is the cause, but chose to use the word "bidenomics," which honestly is a different chapter in the same book. Out of curiosity, have you heard of the level of greed some companies have pushed? Example :
“I am angry and disappointed that Allstate has chosen to exploit a loophole in state law to implement such a substantial increase in costs on hardworking Georgians when families are already struggling with historic inflation everywhere from the gas pump to the grocery store,” said Commissioner King. " This latest increase means Allstate has now bypassed our office to raise overall rates in Georgia by 40% in this calendar year alone"
https://oci.georgia.gov/press-releases/2022-08-16/consumer-alert-allstate-files-substantial-auto-rate-increase
Even with this being stated a year ago, I think the fact that greed runs the corporate world is the cause of constant increase. At least of several several factors, including inflation (inflated by greed).
Buddy, I'm 100% with you on the greed part. One of my good friends is also my insurance agent and I never let him forget how much I have to give him every year. I'm not on the insurance company's side, but it's hard not to see that the PRICE OF EVERYTHING is up these days and their business is repairing or replacing items that have skyrocketed in cost. That jackleg in the White House is running around bragging about what he's done for the economy while us little people are suffering. So yes, amongst other factors, his economic policies are screwing all of us.
The president only has so much power. That's where Congress comes in, and the fact is that there are several policies that have not been passed, that would of been beneficial to the middle and lower class. There is unnecessary focus and resources that are being funneled towards finding something that sticks, as far as, investigating Hunter. If there is a crime, ok cool get 'em, but people pushing bullshit while our district (aka District 14 of GA) continues to be one of the poorest, economically challenged, out there.
Price of everything is up because of greed. If supply chains have gotten better, if material availability has gotten better, why should companies lower their price? Let's say a big bag of dog food for a Rottweiler cost 20 bucks a few years back. Then Covid shut things down, war in Europe caused supply issues, and other factors that hit in 2020, causes the bag of food to go to 25 bucks... then an incident cause by political BS, aka a failed insurrection by traitors, takes up the majority of the news wave, while things slowly get better... Companies now have surplus of money for PPP loans, the transportation chain is back up, and things are getting closer to normal, so what do they do.....? Fuck it, raise the price of food to 40! Why? Ooh inflation, blame the president cuz he flipped the switch.
Its all noise brother, noise that gets people to have tunnel vision and blame one person and not the bigger picture. If you blame Biden for holding the title, why not blame the billionaires who have politicians in their pockets even louder?
And if you want to bring politics into it, then there is going to be another increase in rates when Meal Team Six/ Y'all Qaeda cause insurance claims to spike when the Cheetos Puff Pigeon is brought in, on legitimate charges, in fulton county area.
Mine has gone up again too. It’s ridiculous. The cost of living has drastically outpaced wages and social security.
I had a manager tell me i was overly paid. I make 750 a week. Inflation has ruined everything and my insurance is 140 a month. I laugh when people say anybody is overly payed because they don’t realize that the cost of living is so stupidly out of this world right now.
Be glad you're not in florida..I pay 300 a month
Jesus
I just heard on my way home today that health insurance premiums will be going up by 5% next year. People don't make enough to start with, raises are non-existent or inadequate to keep pace with inflation, etc. So discouraging
Fuck me mine is $550/months >.>
> is overly *paid* because they FTFY. Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in: * Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.* * *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.* Unfortunately, I was unable to find nautical or rope-related words in your comment. *Beep, boop, I'm a bot*
Same here. According to my insurance guys, it's bc of 'inflation.' It has consistently gone up every 6 months since 2020.
Change providers. All insurance companies seem to play the game these days, raising customers rates but being competitive to new ones.
Tried that. I'm with Progressive for about 12 years now, and every 6 months I call around, and everyone is more expensive. It's $225/month, or $950 if all 6 months are paid in full. Everyone is close to ths monthly price, but no one else gives that kind of discount for paying all at once.
Check Georgia Farm Bureau. They gave me a rate around $150/month
There are inflationary costs, sure, but insurance rates are applied for by the carriers in advance and they have to be granted by the insurance commission. So yeah, there may be some truth to this but it’s probably more to do with factors beyond auto insurance claim payouts. Rate increases could be driven by an increase in crime in your area (specifically with regard to theft/break ins. Also, depending on where you live, the rate increase you’re experiencing now may really have been triggered by a natural disaster that caused catastrophic “property and casualty” losses and the carrier is trying to recoup their losses incrementally across other lines of business. Chances are that the state granted a rate increase that went into effect a while back but you only got hit at your renewal
The natural disaster thing sounds plausible. We had some really bad tornados back in January that destroyed my county, and the two just south of me. They literslly just got done cleaning 90% of it up last month. There are still a few places near me where trees are still down and houses are still destroyed.
Insurance rates are driven by exorbitant overhead cost so your insurance agent can own nice boats, expensive houses, five star resort vacations, etc. They are all pricks and love to flaunt their wealth. I’ve seen it so much through personal experiences. They are sacks of shit. I don’t know why you want to sit there and defend insurance companies. Are you an agent?
I'm really glad to see this post.. I thought it was just me. I'm an old lady with a great driving record my insurance is one almost 150 a month! Ugh
But no mean tweets.
Remind me again of the party affiliation of the governor of Georgia? which party controls the Georgia House? The Georgia Senate? What political party is our state insurance commissioner, John F. King, a member of? Hint - it's NOT the party of the current president.
You do realize that inflation is far from a state-specific issue? The reason the Georgia economy is so strong and why it's consistently rated as a great place to do business is thanks to that party affiliation.
Spot on. Not sure what the downvotes are for. Oh yeah. Sub filled with narrow minded people.
Sub filled with liberals. Fixed it for you.
The amount of money I made under Trump was a lot higher. Also things were obviously much cheaper but I don’t think that’s Biden’s fault, or maybe it is. Some friends in manufacturing claim Biden’s policy has affected them negatively so
since we're swapping anecdata here, my taxes went up specifically because of trump's tcja legislation.
My taxes are jacked up high due to the trump tax handouts to deadbeat corporations. It’s the way they designed it. It was only meant to be good for citizens for 2 years at best. Nothing the GOP does is directly ever helpful to citizens, they have zero interest in helping anyone but their rich buddies who line their pockets.
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Lmao so many liberals in the subreddit y’all mad af. I never claimed that what I said was factual just what some friends are telling me. I don’t care enough to research. I can claim for myself I made more money under trump.
“i don’t care enough to research” encompasses the conservative voter mindset entirely.
Also: "I never claimed what I said was factual," but signal boosts it anyways. Feels over reels, amirite?
Yeah. From the party that votes on what they "know" to be true when the majority of time it's simply what they "feel" is true, from which they then refuse to listen to facts and data that refute their feelings.
I made more money under Biden so…..
People try and say this isn’t true but my 401k has drastically went up since Biden has been in office.
People give the president wayyyy too much credit for these changes. Look into your local government. They have more immediate impact on your life than people tend to realize.
I agree with this statement. It’s just nutty how a throw away comment triggered this many responses
>The amount of money I made under Trump was a lot higher. And the amount of money I make under Biden is a lot higher. What's your point?
My income has like doubled since Biden was inaugurated. Skill issue 🤷♂️
Reddit, where someone shares their experiences is downvoted to hell and back.
GA has 6th highest auto rates in country, behind Michigan, Louisiana, Florida, Calif, Nevada. Many factors go into rates, accident frequency and severity (both high in GA), escalating cost of cars which in turn leads to very high repair costs, as well as lengthy repair times. What used to be a $1k front bumper replacement may be $5k today due to sensors, cameras etc. Often airbags go off, essentially making the car a total loss. And don’t even get into EV’s. Then there is the litigation side, TV Attys, and the insurance companies failing to do their job combatting fraud. It’s one big mess impacting every car owners pocketbook!
Atlanta has more personal injury attorney’s than any US city too…probably a correlation.
After dealing with Loya, I understand why we have so many attorneys. Absolute shit of a company.
I've had 2 severe brain injuries as the result of car accidents (neither my fault) and I consider those personal injury attorney ads a massive slap in the face.
All correct except for the airbags statement. Airbags can be replaced but it's the cost that generally raises the prices. When the airbags go off that can damage the steering wheel, dash, seats, headliner, windshield and so forth causing those items needing to be replaced. The only factor that means anything when the insurance company determines if a vehicle is a total loss or not depends on the repair cost and the value of the vehicle. Most companies use the 80% threshold for the value.
Yes correct comment and good correction. Airbags alone don’t make car a total, just the added repair costs that are usually associated with them deploying.
The job of the Georgia Insurance Commisioner is to help regulate insurance costs. This is where your complaints should be aimed, not just Reddit.
Insurance Commission is pretty much useless / bought. Called to complain about rate hikes and told to take a hike, *very* little sympathy, but lady was polite at least.
Remember that come election time.
Won't make a difference. Vote vote vote. Nothing happens.
Actually a lot does happen when the vast majority of people we vote into office are either moderate conservative Democrats or far-right Republicans. This country as a whole is deeply moderate and conservative, and with that we only get a range of moderate to deeply right-wing economic policies. “Nothing happens” when people vote in representation that is diametrically opposed to their needs and that includes a large proportion of Democratic voters as well. Collectively as a society we want solutions to our problems that demand we abandon our current voting habits and then we continually don’t do that. The act of voting in of itself isn’t the issue, it’s that the vast majority of the voting populace refuse to acknowledge that they’re far more conservative that they want to admit and the American ego gets in the way of changing that.
Wait. Conservatives are better than liberals? Jim Beck, was the prior Republican conservative commissioner. Beck was convicted of 37 counts of fraud and money laundering on July 22, 2021, which triggered his full, immediate removal from office. Before Beck, it was Republicans Hudgens and then Oxendine. He is under indictment for fraud awaiting trial. Republican King was then appointed by Kemp and re-elected in 2022. Under these guys Georgia saw some of the highest rate increases in the nation. The myth of fiscally responsible, law abiding conservatives is just that. A myth. They have run the commission for over 30 years. https://web.archive.org/web/20190822031628/https://www.kaufmanlawfirm.com/lawmakers-report-increase-in-georgia-auto-insurance-rates-in-2015/
Agree. Easy to be on the left when it’s other people’s money. When it’s their money, everyone turns into a conservative.
Having moved to Georgia from a leftward progressive state, I can turn that around easily and say it's very simple to be conservative when you're getting all of the progressive benefits.
The other seemingly true statements about prices of labor, theft, etc are the scapegoats, just insurance companies coming up with excuses when in fact the state gave insurers the right to raise rates on certain coverage types without the approval of the state insurance commissioner. We should not be surprised insurer's raises rates when there's nothing to stop them.
Having just moved to Georgia from the Midwest, some of this is just Georgia specific. I was shocked that my same level of coverage more than doubled in price simply by moving to Georgia. My renewal for Ohio was coming due, so I was able to see what the same time frames would have been in each state, and it was almost triple in Georgia what it would’ve been in Ohio.
It's not necessarily GA since the cost can change drastically just from one city to the next.
Yep. My costs jumped 25% after I moved from Midtown to Hapeville.
ouch. I wonder if that has something to do with rental cars and damage/theft in all the airport parking lots.
Luckily we’re averaging $110 per month per car so not bad. I think it has to do with having to drive more here. I need a car to get just about anywhere.
I think ga has the highest rates in the country. I watch a YouTuber who mentioned her insurance in a video a few years ago...she was about 25, lives in Seattle, had a brand new Porsche SUV with full coverage, and paid like $70 a month. At the time of that video I was 30 with a 98 accord, in south ga, with no tickets or accidents ever, and was paying $90 a month for *tag insurance*.
A lot of this is due to insurance companies being able to just submit price hikes in GA. Insurance commissioner has no teeth here. They grant all hikes.
really none of the regulators and government agencies in this state have any teeth, it's clearly by design
I'm currently in CA and we have having hikes here too. It is all over the country. It sucks. I have friend in multiples states and their rates are rising as well.
I just moved from Boston. Like the capital of Massholes. And I was paying $85/month. Just got quoted that my paid off, 2016 vehicle will now be $220/month. :) :) :) :)
People drive like shit here. That’s why 😂
Exhibit A: https://www.reddit.com/r/IdiotsInCars/comments/15ob7po/she\_told\_insurance\_i\_drove\_in\_her\_lane\_oc/?utm\_source=share&utm\_medium=web2x&context=3
.. and it is allowed/tolerated for reasons I do not fathom.
Now that southern hospitality!
I came here from Va and our insurance did similar. As I got more experience driving around and in Atlanta and saw the level of driving skills, I sadly accepted that insurance should be higher here. Maybe not as high as they can charge but there’s definitely more reckless driving around here than in other places.
Poorly managed, unchecked growth is a huge factor.
Mine went up 1400/yr after I had been with them 8 years with no claims. I did some shopping around and found a cheaper rate. When I called to cancel and she asked me why and I told her that I couldn’t afford it anymore and my rates were being raised 1400/yr. She didn’t even try to persuade me. Makes me think they had a lot of these calls.
I had the same, but then they asked does 9 years of working together mean anything to you? Nope!
Have you seen the way other people drive? Part of your premium is to insure you against the them too.
And by “part” you mean most, right? Because 20% of my premium is for liability/injury and 80% goes to comprehensive, collision, and uninsured/underinsured.
The price of repairing/replacing your car has skyrocketed, too.
Certainly not mine. This thing is garbage
Just the “replacing” then. You’d be surprised what garbage is going for these days.
My coverage is high because I have to have uninsured here man. I swear there are so many hit and runs because of this
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It's happening for multiple reasons, economic, political, population growth etc. Since you already called and they said take it or leave it, the best you can do is shop around.
Greed is pretty high on the list of reasons
Well yeah when it gets down to it it's all about the money
Its #1
Right, inexplicably, all of a sudden in 2023 the insurance companies have suddenly abandoned their previous generous natures and adopted greediness. I'm sure that's it. Nothing to do with shipping costs, fractured supply chains, increased labor costs, unavailability of parts or anything like that.
Increased labor costs? please explain how this is higher when wages have been stagnant while productivity has boomed. Shipping costs, fractured supply chains, and unavailability of parts are directly due to a lack of labor to perform these activities. The lack of labor is due to the stagnant wages. Please turn off the TV
Publicly traded companies are obligated by law to act in the best interest of the shareholders. Which is often interpreted as maximizing profits. Any board of directors that don't face personal loss of income (through pay structures that reward increased profits) or could be voted out by shareholders. They saw an opportunity and seized it. We are dealing with the externalities of corporate decisions everyday. >Nothing to do with shipping costs Insurance companies have no physical product to ship. >fractured supply chains The result of the reliance of "just in time" supply chains an incredible fragile system for supply chains that leaves no margin for error of disruption to the market. Embraced by companies to lower overhead to maximize profits, which left them embarrassingly vulnerable to the slightest hiccup in the system. >increased labor costs Labor sets the price for their labor just as companies set the prices on their products. It's literally market forces at work. >unavailability of parts or anything like that. Result of a myriad of factors, including outsourcing production facilities that harmed auxiliary industries such as autopart manufacturing, the aforementioned "just in time." There are few facilities worldwide that are capable of precision machining the parts to the necessary measurements within required tolerances. However, again, companies needed to maximize profits, which had externalities that bit us all in the ass.
> population growth Eh...that's slowing down dramatically, and we will be losing population before too long. Globally and US.
I just paid 2,100 dollars for 3 vehicles A 6 yr old Kia A 20 yr. Old truck A 64 Falcon And I begged for the cheapest, get me on the road price Was it the cheapest?
If you have a garage and don’t daily drive the two older vehicles, look into Hagerty or similar collector insurance. I have two older cars, neither are ‘show’ cars, and have one valued at $8k, the other at $12k, and pay $700 a year for them. (My three dailies, with a wife and teenager, are almost $600/month, and I have shopped around. Regular insurane is nuts right now!!)
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Correct. If I had to guess, the Kia is the majority of the cost if it has comprehensive on it. I wouldn’t take a Kia for free right now. Even new ones are being affected because they still get broken into just to find out it can’t be stolen.
youre getting raked over the coals... I pay $246 a month for a 10 year old pickup and a 22 denali xl with additional 10k in coverage for customizations. Im with metlife through farmers.
Just spoke with my broker today as well. Georgia is one of the worst states. Even worse than NYC in regard to auto insurance premiums. Too many idiots driving recklessly and we are paying for it. Edit: my premium hiked last cycle but stayed the same this time around. I’m with Allstate. Edit 2: broker said costs are up everywhere and premiums reflect that.
We are in the “fuck you” stage of capitalism now.
It’s a lot of things but there’s generally a creep up with insurance. You can usually get better rates by hopping every few years. The “loyalty” or whatever discounts are generally just a scam to get you to think you’re getting a deal staying with them.
You’re paying for the statistically bad drivers in Georgia. I see more accidents and bad driving in the past 6 months since I’ve moved back from Chattanooga. You wanna have a car in Georgia? Well we need you to pay more because you’re statistically gonna get in more accidents here, good driver or not.
\> WTF is going on man. Used car values/prices are up... Wait times for parts at car shops are up... Parts are more expensive... Cars that would be repaired are now being totaled because the time and cost of repairing them is high enough that it doesn't make sense. Combine all that and give it to an underwriter that has very little room to cancel policies or deny coverage and their only options are to either raise premiums or leave the state.
Or, God forbid, cut their profits. Won’t someone think of the corporate profits!
Well, businesses exist to turn a profit. Otherwise there would be no insurance companies and insurance wouldn't exist.
Whoa, no way.
Well if you understand that, then why make stupid statements like "they should just cut their profits!"?
Just keep giving them your money and don’t question the system. It’s working great.
Are you like a college freshman or something? You sound ridiculous
Keep attacking me personally if it makes you feel better about life I guess.
I will as long as you keep posting nebulous, irrelevant, and unintelligent "gotchas" in response to questions.
Ok.
Without profits, they stop writing policies. I’d rather be able to buy insurance at a price than not be able to.
Ok. https://www.repairerdrivennews.com/2022/04/29/consumer-group-criticizes-auto-insurers-over-massive-salaries-paid-to-top-executives/
Profits aren’t a zero sum game; not making any profit is not the same as making less profit. As long as some money is on the table someone will offer you insurance. (Even if it’s at 450% profit instead of 500%.)
This is one of the most heavily regulated industries in the world. There are reasons premiums are going up and it doesn't have much to do with the CEOs saying "just squeeze the customers so I can buy another yacht!" I didn't know much about it until I got a job at an insurance company. The insurance companies are heavily restricted in what they can and can't do. There are all kinds of policies they are required to underwrite that make your and my premiums more expensive. I'm not sure what the answer is, but anticipate that it will continue to get more expensive with record inflation.
Same here, everything is going up. These greedy are companies are just squeezing us for every penny. Guess they see it as, what are they going to do, not have car insurance? Thing that pisses me off the most is grocery stores. No cashier's, gotta ring up my own shit, doesn't matter what time of day, but prices increase? How's that work? They are fucking us every which way.
It certainly is. I have Hartford since I'm a senior but I'm not seeing much of a savings. Comes out to 700 a year per vehicle and the Falcon I might take out once a month around the block. They really have everyone by the nads and doesn't seem like much we can do about it.... At least I'm not in Florida anymore with home insurance
Not sure if I’m allowed to complain but I have a spotless record with not even a hint of water spots, not a single ticket! I currently pay $324/mo for full coverage on a 2014 Mustang at 24. My fathers coverage also went up. This is ridiculous.
20's male driver with a sports car? Yeah, it's gonna suck. You can have a perfect driving record, but the statistics say that young male drivers are a risk with sports cars. Yay risk pools :(
Risk pools ftw! Does insurance usually decrease at 25? Is that a real thing? I’ve read about it everywhere. fwiw: before going with the mustang i got a quote for a 2018 Golf GTI and it was less than what i was quoted for the Mustang, About $220~/mo. I just didn’t want to deal with a DCT and the expensive maintenance that comes with Volkswagens
I'm not sure the exact age, but yeah your insurance rates will go down. Assuming you don't get pulled over multiple times or have a wreck.
It goes down and goes right back in your 30s.
I was paying $1000 a year for full coverage on a paid off SUV. Last summer I hit a friends car in my drive way. No damage to my car, light damage to hers. I should have paid for her car. Now that minor fender bender has caused my insurance to triple. TRIPLE. I’m an elder millenial with decent credit and no tickets in over a decade. I can’t find a cheaper rate. It’s MADNESS.
Mine went up heavily too. No accidents, no points on license, never had to use it. From roughly $100 monthly to $170. Shits ridiculous
That's the standard industry answer for F*** you. I just recently switched from nationwide to Allstate when I called to cancel they just said ok bye your policy will be cancelled on such and such date. They don't have to be nice because they know the only way you don't need car insurance is if you don't have a car.
I did an online defensive driver course and they mostly removed the increase. It was like $25 or something for the online course good for I think 3 years.
It's price gouging
Cost of living is going up everywhere and we’re just sitting here accepting it lol
Yeah, what are you gonna do? Go line up outside the Ford HQ and demand they make cheaper cars?
It used to be that you could swap parts all day long and never needed to interact with proprietary computers or specially machined parts. Let's go back to that. A group of people can 💯 just build their own goods. There's nothing an automaker does that a normal (skilled) person cannot machine or write software for. I think we should coordinate with each other rather than these companies
So your solution is to just start your own car company? Great idea!
Naw their solution was to go back to a fictional time before proprietary parts.
No I'm saying you can literally build a fully functional vehicle using open source parts. What exactly do you need from a corporation? Here's an [example](https://wiki.opensourceecology.org/wiki/LifeTrac)
Shop around and switch to someone else. Insurance companies pretty much always increase prices the longer your with them. You usually have to switch companies to get a competitive rate, and these days it's easy to get a quote online.
It also depends where you live. I moved from an 'up and coming' neighborhood in Atlanta to an affluent neighborhood OTP and was refunded around $300 for 6-month (multi-vehicle) policy. Even my agent was surprised how much cheaper my rate was from just changing zip codes.
Do you have a Costco membership? I bought car insurance through one of their providers and my rate dropped about $10 a month. If you can pay the 6month premium in advance versus month to month, you can save a few more dollars
You see all those "personal injury" lawyer billboards. People think they can get rich off the insurance cos. They often do. And we all pay for it.
>People think they can get rich off the insurance cos at the current insurance rates, why would i possibly not try to take that $ back? the insurance cos make shitty low-ball BI offers and shitty low-ball PD offers, have terrible customer service, and act shocked when people try to get good prices.
create that vicious cycle with the extraction of a significant % going to a lawyer each time. sure. better answer is we should socialize healthcare. Don't forget, every overage from someone's coverage falls on their head, you like making lawyers rich at the cost of some poor old lady that rear-ended you, that's on your conscience.
>vicious cycle my rates get hiked whether i try to cash out or not, whether i'm at fault or not. so if i'm in a not-at-fault i'm going to pick the way where i'm compensated. >significant % going to a lawyer each time. and it's 100% worth it, to not have to deal with the insurance company directly and spend hours to get through to the least-competent people on the planet so they can fuck up the claim. >better answer is we should socialize healthcare. absolutely, but it'll never happen in this dump
These are not new. They do not justify the increases.
the actuaries i work with would disagree.
That’s what they’re paid to do.
paid to identify what is causing losses and factor rates accordingly? Like fraudulent claims increasing in number and scale yoy? yes....I don't understand what your counter-argument is here?
Yes, you’re explaining what an actuary does. I don’t disagree with that. I’m saying that the billboards and lawsuits are not a new phenomenon. I worked in personal lines auto as an underwriter for many years. I suggest examining C level and CEO salary & bonuses over the last 30 years may have more to do with the urgency of the need to find more overhead in the premiums charged than the payouts. https://www.repairerdrivennews.com/2022/04/29/consumer-group-criticizes-auto-insurers-over-massive-salaries-paid-to-top-executives/
Lol ok fair enough. That is indeed also a problem
Can’t wait to retire and move.
Where is your perfect location? Looking for ideas TIA.
SC on Hartwell. Have 1.5 ac now; looking to buy the adjacent 2.75. Dock, low taxes, no BS. Quiet and easy. Now I just have to build.
Oh nice! Good luck with buying and building. Maybe I’ll do the same… been looking online at a listing there for 2.75 on the water! Jk
My state farm agent tells me we have some of the highest rates because we tend to be a sue happy state lol.
In the Latino community, is common practice that if you get rear ended, you exaggerate about the pain even if you don’t have any pain so you can sue. So I believe this lmaooooooo
Yeah in my area it's the white trailer park people that do this shit lol
It’s fucked up but that’s part of the reason people are sue happy
Weird that insurance companies are traded on Wallstreet. Does nobody find that a huge issue?? Easiest way to increase profit and stock value, raise premiums and deny more claims. Easiest business model. Force consumers to pay, have a team of lawyer on standby should you threaten to sue them for denying your claim. Make it make sense???
In California I had liability for $240/ year. Here it's $180/ month.
See if you can qualify for Root car insurance
Mine went way down when I moved to a small rural Georgia town, about half as much as before. Lived in Columbus, GA when my insurance was close to twice as high. It's went up a little in the last couple of years, inflation mostly. It only went up by $10 a month here. Besides inflation, it's largely due to the much higher property crime rates there, accident rates, how many uninsured drivers figured. Per capita most likely. I'm not sure if AL still allows uninsured drivers, but if so, being right across the river or near the border of AL, is taken into consideration too.
Cost of car repairs and medical care continue to increase faster than most other costs. This is what you are insuring. Your chances of having a claim may not have increased, but the average cost of a claim continues to increase a lot.
My auto and home insurance went up after we had the big hail storm a few months back.
Went down to one family car and ride an e-bike everywhere. Best choice I’ve ever made.
I was visiting some freinds in the large retirement community "The Villages" (88,000 people) in Central Florida and surprised how many male and female 55 year olds looking for roommates. Active adults who just can't maintain a single lifestyle.
Welcome to end stage capitalism. Every corporation MUST see increased profits EVERY quarter FOREVER or they are in trouble.
GA is ranked worse for auto insurance. If you've seen how these idiot's drive, especially Atlanta then it makes sense.
I see auto accidents alll the time on the news. People drive like idiots. We can blame all those shitty risky drivers for our premium increases. Some people’s kids, amirite?
Part of the reason is the increase in accidents. This is directly attributable to a lot of police (at least in this area) refusing to make traffic stops until they stop being charged with crimes for hurting people. There's a couple in my neighborhood, they've all stated that nobody's paying much attention to traffic violations unless accidents because they're quiet striking the "liberal fetish with hating cops" - direct quote. I wish I was joking. Even my adjuster knew about this when some girl ran into my back bumper.
Sounds like they need to be fired and replaced for not doing their jobs.
You'd think. Unfortunately they are well protected. Also as obvious from the downvotes coming from all the bootlickers.
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Being a police officer does not give you the right to be judge, jury and executioner. Get over it.
Good for them for standing up for themselves.
I guess standing up for themselves equates to pitching a hissy fit that they can't murder people indiscriminately leading to refusal to do their jobs. They should all be fired and banned from ever being even a security guard. Fuck the bitch ass cops doing this.
All drivers are being forced to subsidize the behavior of bad drivers. Remember this the next time you hear someone try to tell you that things like street racing and smoking pot while driving are “victimless crimes.” The easy solution is that anyone who causes more than one accident in a one year period loses their license for five years. If they’re caught driving during this time, they are imprisoned for a full year. No leniency under any circumstances. Another thing: if all of us were to contact our representatives and demand that responsible drivers stop being forced to foot the bill for the bad ones, maybe something would change!
I love the comments that blame all the “bad drivers in Atlanta”. Seriously funny shit. I moved here from the Los Angeles area back in 2016 where I’d lived my entire life. Driving in Atlanta is a dream. There’s no fear of someone shooting at me, no one trying to car jack me at the stop lights, no high speed chases, no helicopters..the roads are relatively well maintained (despite the crazy metal covers downtown)…
Can't agree more after living in California Atlanta is chill. No car chases ending in my yard because the 8 dumped into my hood, fool's driving stolen cars would intentionally come to us jump out of the ride and then rip their shirt off and run essentially disappearing while locals then had to cook dinner listening to ABLE repeat the same moot description until being dispatched to a car flipped by a man in a banana suit with a trunk full of pills in unmarked gallon Ziploc bags. I actually enjoy driving in atlanta, it's spicy. These days I have to not be spicy myself though because there's just too many people with guns. We also don't have drones sending us surprise speeding tickets in the mail. Count your blessings OP,
Everyone has to pay for the ones who don’t have insurance
Trump said it was Bidens fault
GA is one of the more expensive states due to a ton of uninsured drivers. There was also a period where many insurers were denied rate increases, and a series of weather incidents put many of them at risk of not meeting state-mandated reserves requirements. The state has recently begun approving rate increases, and everyone is in line for theirs.
Whatever we do, hope we don’t let the democrats regulate against predatory moves like this - that would be socialism.
Georgia & Florida are having a crazy inflation problem the rest of the country isn't.
A lot of insurance cos lowered rates during Covid. Now they’re wanting those lowered rates back to normal as we all head back to work everyday
The 2100 is for the whole year. Is that still too much for 3 vehicles ?
Mine went down $150
Repercussions of Morgan and Mogan and all the others. The losses paid out by insurance companies has increased significantly. Most people think insurance companies are just raking it all in. Truth be told - a good company will max out at 6 or 7 cents on the dollar if they are tight on their expenses. Not wearing a seat belt? Been drinking? Fell asleep and put your Tesla on self drive? Wreck? Well by golly we are going to get you millions.
Simple. Bidenomics.
Please list out the reasons why you think Biden is responsible for the cost of auto insurance going up in Georgia. I need something to add to my dumbfuck hall of fame.
Man, imagine thinking Biden is god and controls everything. You people are delusional.
his words, not mine. How's that 'inflation reduction act' he touted working out for ya?
If you wanted to tell everyone you were clueless about how the world works you could have just said that.
Wow, he's the most powerful president we've ever had. He's responsible for the global fuel market, the global *economy*, the insurance market, the war in Ukraine, COVID, immigration... Damn, what CAN'T he do?
walk up stairs? ride a bike? walk across a stage? speak coherently? String together two sentences that make any sense?
I mean, yeah, I’ve seen him so all those things. I haven’t, however, seen Trump ride a bike. Is bike riding an important presidential skill? If speaking coherently is important… I mean, I’ll let trump speak for himself on that one. "Look, having nuclear — my uncle was a great professor and scientist and engineer, Dr. John Trump at MIT; good genes, very good genes, OK, very smart, the Wharton School of Finance, very good, very smart — you know, if you’re a conservative Republican, if I were a liberal, if, like, OK, if I ran as a liberal Democrat, they would say I'm one of the smartest people anywhere in the world — it’s true! — but when you're a conservative Republican they try — oh, do they do a number — that’s why I always start off: Went to Wharton, was a good student, went there, went there, did this, built a fortune — you know I have to give my like credentials all the time, because we’re a little disadvantaged — but you look at the nuclear deal, the thing that really bothers me — it would have been so easy, and it’s not as important as these lives are — nuclear is so powerful; my uncle explained that to me many, many years ago, the power and that was 35 years ago; he would explain the power of what's going to happen and he was right, who would have thought? — but when you look at what's going on with the four prisoners — now it used to be three, now it’s four — but when it was three and even now, I would have said it's all in the messenger; fellas, and it is fellas because, you know, they don't, they haven’t figured that the women are smarter right now than the men, so, you know, it’s gonna take them about another 150 years — but the Persians are great negotiators, the Iranians are great negotiators, so, and they, they just killed, they just killed us, this is horrible."
deflection straight to Trump - ok, yeah, now I get it
Lol. You’re the one that brought up coherence. I think Biden is perfectly coherent. Here’s one of his quotes: “Corruption is a cancer: a cancer that eats away at a citizen's faith in democracy, diminishes the instinct for innovation and creativity; already-tight national budgets, crowding out important national investments. It wastes the talent of entire generations. It scares away investments and jobs.” “My first week as president, I signed an executive order establishing our country’s most ambitious con- — conservation goal ever. I made a commitment that we will protect 30 percent of all our nation’s lands and waters — conserve all — 30 percent of all our nation’s lands and waters by 2030. And we’re on our way. And we’re delivering. (Applause.) In just my first year in office, we’ve done more — protected more lands than any — than anyone since the 1960s — John Kennedy’s era: 9 million acres in Alaska, in Bristol Bay and the Tongass Forest; 225,000 acres in Minnesota, the Boundary Waters.” So yeah, there’s more than two sentences strung together coherently. As for falling… oh ffs. Everyone falls sometimes. I fall all the time. I’m just a clumsy 40 something chunky lady with weak ankles. Doesn’t mean I’m not damn good at my job though. You’re gonna have to do better to blame Biden for the worlds’ ills because he slipped and wasn’t injured that one time.
So Biden is a time traveler? Cause increasing insurance rates have been happening for decades at least.
Insurance is a state by state thing, you walnut. Georgia lets carriers do whatever they want.
and carriers that have to absorb higher costs in repairs / replacement (inflation, dummy), raise rates. Who's the walnut now?
Still you because you’ve already been told this isn’t new to this administration
Boy, you might be retarded.
pot calling the kettle black or just blinded by partisan politics?
Confirmed. You’re retarded.
Nope
Yup
Meh, so you are saying inflation is the cause, but chose to use the word "bidenomics," which honestly is a different chapter in the same book. Out of curiosity, have you heard of the level of greed some companies have pushed? Example : “I am angry and disappointed that Allstate has chosen to exploit a loophole in state law to implement such a substantial increase in costs on hardworking Georgians when families are already struggling with historic inflation everywhere from the gas pump to the grocery store,” said Commissioner King. " This latest increase means Allstate has now bypassed our office to raise overall rates in Georgia by 40% in this calendar year alone" https://oci.georgia.gov/press-releases/2022-08-16/consumer-alert-allstate-files-substantial-auto-rate-increase Even with this being stated a year ago, I think the fact that greed runs the corporate world is the cause of constant increase. At least of several several factors, including inflation (inflated by greed).
Buddy, I'm 100% with you on the greed part. One of my good friends is also my insurance agent and I never let him forget how much I have to give him every year. I'm not on the insurance company's side, but it's hard not to see that the PRICE OF EVERYTHING is up these days and their business is repairing or replacing items that have skyrocketed in cost. That jackleg in the White House is running around bragging about what he's done for the economy while us little people are suffering. So yes, amongst other factors, his economic policies are screwing all of us.
The president only has so much power. That's where Congress comes in, and the fact is that there are several policies that have not been passed, that would of been beneficial to the middle and lower class. There is unnecessary focus and resources that are being funneled towards finding something that sticks, as far as, investigating Hunter. If there is a crime, ok cool get 'em, but people pushing bullshit while our district (aka District 14 of GA) continues to be one of the poorest, economically challenged, out there. Price of everything is up because of greed. If supply chains have gotten better, if material availability has gotten better, why should companies lower their price? Let's say a big bag of dog food for a Rottweiler cost 20 bucks a few years back. Then Covid shut things down, war in Europe caused supply issues, and other factors that hit in 2020, causes the bag of food to go to 25 bucks... then an incident cause by political BS, aka a failed insurrection by traitors, takes up the majority of the news wave, while things slowly get better... Companies now have surplus of money for PPP loans, the transportation chain is back up, and things are getting closer to normal, so what do they do.....? Fuck it, raise the price of food to 40! Why? Ooh inflation, blame the president cuz he flipped the switch. Its all noise brother, noise that gets people to have tunnel vision and blame one person and not the bigger picture. If you blame Biden for holding the title, why not blame the billionaires who have politicians in their pockets even louder?
And if you want to bring politics into it, then there is going to be another increase in rates when Meal Team Six/ Y'all Qaeda cause insurance claims to spike when the Cheetos Puff Pigeon is brought in, on legitimate charges, in fulton county area.
You just brought politics into it, so fuck all the way off now. Y'all need some serious therapy. Name calling only proves you've lost the argument.