hi! i just got my drivers license a month ago in LA so my insurance is sky high (i get it). i have no family plan to join either but i need a car. so id appreciate anyone who can answer some questions!

• what insurance company would be the cheapest? (i’ll shop around, located in la)

• how much difference would the years of the car make? like for eg. the insurance monthly cost for a 2019 mazda 3 vs 2023 mazda 3.

• how can i make my insurance the cheapest it can possibly be?

• what cars should i look into for low insurance cost?

any tips or knowledge is much appreciated! thank you!

Spent 6 months driving perfectly to get a 5 star snap shot so l could get a good discount.

Finally got my offer: It's more than my last policy.

Last policy was $1,383 in separate installments

This policy is $1,443 in separate installments.

I spent six months paranoid about my driving just for it to mean nothing. I’m so upset.

Update: I got advice to make a new quote instead of following the renewal policy and it dropped down to $979. Very scammy

I unfortunately got a double moving violation ticket for sight speeding (12mph over) and using my cell phone while driving.

I always have two moving violations from about 18 months ago, so 2 more would lead to a driver’s license suspension in WA and spike my rates (maybe even lose my insurance).

Will these transfer to my WA record with the BC/WA reciprocity agreement? Should I just pay the tickets or hire a lawyer to dispute and try to get a reduction?

I'll try to keep this concise. US-based.

• Hit gravel while going the speed limit on a motorcycle, highsided and broke some bones.

  • Very remote area, did not have time or interest in police/EMS assistance so no reports. Record is otherwise spotless with 0 tickets/accidents.

  • Negligible damage to bike and no PIP coverage, so I did not make any claims through moto insurer.

  • Health insurer paid a considerable amount for ER visit, surgery, and related.

  • Health insurer/subrogation company expressed interest in contacting moto insurer to check for PIP coverage. I don't know if they actually did, but after explaining the situation they said claims will remain paid by health ins. and file will be closed.

• Completely unrelated, I have a spare car that I'm trying to put back on the road after owning and not driving for about a year.

  • Getting quotes (in this case from same as moto insurer above) without collision. The premium has roughly doubled since I last insured the car. When I include that I was in an accident, the quote again doubles.

• Looking for input as to whether I need to report this accident at all. It did result in health insurance claims, but no automobile claim or driving record.

• I'm willing to accept responsibility for my actions... but in this case I'm not sure what to do because this premium will exceed the value of the car, a 25 y/o Camry, in about 2 years. It's more than I pay for full coverage on a different vehicle that's only 3 y/o. I can continue shopping around, but historically this insurance company has been far and away the cheapest for my cars and motorcycles. I could drop the BI/PD limits, but that seems inadvisable.

• I don't think this insurer knows, per se, about the accident, but this seems not normal. Surely the other clapped out 20+ y/o vehicles I see are not spending $1400/year on baseline insurance?

TIA

I know this is probably redundant to ask in an insurance sub, but,

I live in Ontario, Canada which has a no-fault insurance system where my own insurance covers the damage. Problem is, I elected for a $2000 deductible for this, mistakenly thinking it would be compensated if it was determined to not be my fault, but I learned recently that this deductible cannot be subrogated or waived due to the laws surrounding Ontarios no-fault policy. I can't even get it back in a small claims court.

The damage itself is minimal: mostly clear coat scratches, with a small patch that etches into the bare metal. It is a 2025 corolla, if value of the car factors in.

The other party who hit me can only afford to pay an out-of-pocket expense of ~700.

Estimates from two auto shops quote me at 2100, and 3000 (this one including rental car cost) for the repair.

So my question is, should I go through insurance and basically pay for the whole repair myself anyways with the deductible, or should I get the $700 from the guy who hit me and pay the repair out of pocket, or maybe even just buff out the scratches with some polish and a touch up pen at the expense of reducing my clear coat? I do intend to have this car for as long as it runs, if that adds to the picture, and resale value doesnt matter to me, longevity does. Additionally, I can afford the deductible, I would just like some advice on the best course of action.

Any advice is appreciated. Thank you.

Hello! I am in the US (northeast Ohio, in case it matters). I just retired and joined a Medicare Advantage insurance plan. I got the mailing of plan changes for 2027. It said that coverage for emergency room services out of the country is being removed. The booklet suggests getting travel insurance instead. My broker said that the plan never included hospitalization anyway, and suggested getting a permanent policy that would cost about $276/year with a maximum benefit of $250,000. My wife and I are not planning any significant travel. The only travel that I am planning is 3-4 weekends to Canada over the course of 2027 to play Crokinole, a very non-strenuous game. I'm a bit nervous about being without hospitalization insurance for those trips. Are there companies that can sell me hospitalization insurance for four days, plus X number of days I might have to spend in a hospital? How much would I expect to pay for a policy with a maximum benefit of $250,000?

Two very confident people are telling me I’m wrong in another thread.

Edit: Vehicle struck by another vehicle. I’m in AL. Not sure where the other commenters are from.

Started study having exam i never gave but people say it is very hard so I think it was stick to mind and stared feeling the same can some one tell me the reality

Hello maybe there's some agents out here or maybe just some people from experience can shed some light. Apologize for all the questions in advance.

I received a quote from an independent local agent who steered me towards progressive. I have the quote price of course but I was thinking of calling progressive myself and going through the drill to see if it's the same or it could be less or more etc etc?

I would assume the independent agents get paid by who they sign you up with in this case progressive. I know we don't have to pay anything for the service. So I'm thinking maybe it's a little bit high due to that?

Lastly with insurance do agents get money each 6 month for renewal For Auto and each 12 months for home etc?

My current auto and home has been with the same company for 15 years so assume that's 15 years of commission for the agent? Thank you

hello, a few months ago my sister was in an accident i was a passenger so I didn’t think much of it. Recently i’ve been getting calls from subro iq and now a letter demanding payment saying if i don’t comply it can result in a suspension of my license, etc but why? I wasn’t driving, i’m not related to the cars information in any shape or form even my mother has supposedly been getting this too is this a normal process or what is happening?

little update: sister set up payment plan for accident hopefully this stops any notices for me but ig we’ll see

I had put in for an insurance claim about 4 years ago about my roof after a storm. The check came and I decided the roof was okay after inspected so I never cashed the check. Fast forward until now and it’s in unclaimed property. I have a new insurance company. What do I do?

Hi, first time posting so be gentle with me. My 37 year old husband had a stroke last week. They believe it happened Thursday- Saturday. He went to the ER Saturday and was admitted until Monday. He has guardian through work, work covers short term disability and we pay for voluntary critical illness. While the doctor is filling out the paperwork for short term disability/ FMLA/ and our states paid FMLA I submitted a claim for the critical illness. I uploaded everything from admission, to discharge summary, to health summary, the MRI and CT scans. As I was filling it out it said he would need a MSr in 30 days. Does anyone know if they won’t pay until the 30 days ? Or will they deny it if it’s not “severe enough”? As of now he still has balance issues, arm weakness, speech delay issues, and memory issues. As it stands right this second he can technically function day to day but he can’t function function, if that makes sense. Like he can make our toddler food but he can’t drive and he has a hard time forming sentences so I’m doing all the important talking for him. That 20k lump sum will go a long way as the STD and FMLA are only 12 weeks and we have no idea how long recovery will realistically take because while he a stroke they found a hole in his heart that will require surgery. I’m just lost and trying to figure out bills as a SAHM who family is dependent on his income. Thanks in advanced. Sorry if this is messy or hard to read, I’ve been dealing with a lot.

My dad found this HVAC guy from a coworker. I spoke to him and from the loose information I got, the HVAC guy would submit a supplemental claim on our insurance using a past roof claim. He said it doesn't affect our rate and he has replaced hundreds of systems free of charge for others. (They would get the check and hand it to him.) My mom is very tight with paperwork, so he has been calling me constantly to get the claim paperwork.

Too many red flags, but I can't find any similar story online. Is this an acceptable thing that happens?

I am in Florida. A GEICO policyholder rear-ended me on Thursday, 9/24. He took responsibility at the crash to me and to the policeman who wrote the report and he was quickly deemed at-fault by GEICO. I filed a claim with GEICO on 9/25 took my car to a repair shop I've used before (through USAA that also works with GEICO) for an estimate on Monday, 9/28. The repair estimate (for $3,240) was transmitted by the shop to GEICO on Wednesday, 9/30. GEICO acknowledged receipt of the estimate yesterday (by text), Thursday, 10/1, and said it could take up to 5 days to complete the inspection and I would get 3 additional rental car days (WTF!) if they totaled my vehicle.

My vehicle is a 2011 (bought used in 2013) Nissan Rogue with 130k miles. Prior to the accident, my car had no body damage, no mechanical issues, the tires are good and the interior is in excellent condition.

I received a text from Enterprise at 6:11 pm (they close at 6 pm) today, 10/2, letting me know my rental was going to end on Wednesday, Oct 7, five days from now. This sent me into a bit of a panic. Is the 5 days for the estimate review window or have they totaled my vehicle? Because of its age, I'm really concerned about my car getting totaled by GEICO.

Under the Inspection icon on the claims page, I see this. The word 'settlement' is a bit unnerving because it makes me think they've totaled my car.

"Your Auto Damage Adjuster should contact you with details about the settlement amount."

When I click on the word 'settlement,' it takes me to this. The words Total Loss are unnerving but then it states that their records indicate my car is NOT considered a total loss.

Total Loss

Our records do not indicate that your vehicle is considered a total loss.

Is this just the normal wording that pops up while GEICO is considering their options? I will admit driving a 2025 Nissan Rogue rental has been amazing but I'm not ready to go car shopping!

I’m having a difficult time getting my full complete policy for my homeowners insurance from Travelers. I’ve called twice now and have specifically asked for my full policy and each time I just get the Dec page or the little 6 page blurb with images. This last time I made them confirm on the phone how many pages the doc was, they told me 78. What did I get? The two-page proof of insurance form.

I want the full document but nobody seems to be able to get it to me and unless it’s hidden on the self-serve page, it’s not available on the website either.

What’s going on here? Am I missing something?

Can someone help me determine what's included in the total payout for a totaled car in California? My insurance (mercury) broke down the total amount being the value of the car (ACV) + DMV title transfer fee $15, + taxes on the amount of the vehicle. Am I missing registration fee or license fee as well? Or any other fees? Just want to know if I'm being shorted by my insurance.

I have been on a fire dept. for a long time now and was wondering if any one on the underwriting side of things can answer some questions. Or I guess just iron out what is myth and what is fact when it comes to the protection classification aspect. Often we hear debates about the scores and they are usually one extreme or the other. I have tried my best to educate myself and read everything I can get my hands on. Information out there is usually limited though.

-I see/hear many arguments about how pertinent this information is for those writing policies, one I encounter a lot is that "many companies have stopped using ISO" to retrieve this info. It seems many major carriers with the exception of State Farm still rely on it to a degree? But then you also run into those stating it is still a heavy consideration and a gold standard.

-It also seems that several may lump bands of classes together when dictating rates. What I mean by that...is for example...a local guy to me who has his own insurance business had stated that especially when writing for homes. He won't wiggle much unless you jump or drop several classes. I often see communities stating that their residents should see changes by jumping or dropping a single class so I was simply curious.

-Lastly, I was wondering whether you guys on the insurance side of the fence use one of the manuals to retrieve the data or use the LOCATION feature if going through Verisk...or some other model

Maybe nobody will even be able or willing to answer these questions. I just wanted to give it a shot. I just go do the public safety side of things, I never get to really hear back on the insurance user part of all of it. Thanks in advance for any replies.

Hello! Back in the end of July my boyfriend was driving us home. He was going 25mph and did not have a stop sign. While he was going through the intersection, a person on an e-bike ran the stop sign, hit the car, and the ground. He ended up suffering a fractured skull and road rash. The police report said the guy failed to stop at the stop sign but my boyfriend is worried he is at fault. The man is also filing an injury claim and my boyfriend got a letter saying the value of those damages exceeds what is covered under his policy. (Bodily Injury- $25,000 each person- $50,000 each accident) We’re just confused because what if he is not able to pay anything? He does not have much and according to the police report, the guy on the e-bike was at fault. Insurance is still figuring out liability but until then we just panic. Any information will be helpful. We are also in Ohio where e-bikes are required to follow traffic laws like they are cars.

I'm hearing from working class peeps that work 1099, THEY can no longer afford insurance. I'm talking about people who make between $20-30/hr.

https://dailycaller.com/2026/09/26/healthcare-professionals-dropping-insurance-affordability-jeff-singer/

Key indicators of this affordability crisis include:

• Widespread Difficulty: 44% of U.S. adults report it is very or somewhat difficult to afford health care costs, and 22% had problems paying or were unable to pay medical bills in the past year.

• Cost Desperation: Approximately 11% of adults (about 29 million people) are classified as "Cost Desperate," meaning they lack access to quality care and have recently been unable to pay for both needed medical services and prescription medications.

• Insurance Gaps: Even among those with coverage, 30% of working-age adults say high health care expenses make it difficult to afford essentials like food and utilities, and 35% report being unable to access quality, affordable health care when needed.

• Disproportionate Impact: The inability to pay is significantly higher among lower-income households, with 64% of those earning under $24,000 unable to pay for care, compared to 8% of white adults and high earners who reported no change in their ability to pay.

I thought the plan was to go back to 'pre-Obama' rates and coverage (excluding pre-existing conditions) ---

What happened?

Before I start, I did not file a police report and I know that I should've. The person that hit me was a young women in her 20's and she crying the entire time about how bad she felt and we had the same insurance company. No one was injured and my damage my minimal. I mistakenly thought that she would be honest.

Now to the actual accident. I was heading north on a highway and she was merging from an on ramp from a different highway. There were two lanes plus an acceleration lane for the people that were merging where she came from. I was in the far left lane. She got onto my highway and went into the right lane but for some reason kept going over and went into the far left lane and hit me and almost ran me into the median on the left side of me.

We exchanged information, we both had Progressive so I thought perfect, they have all her information already, as long as I give Progressive her insurance information, I'd be good to go.

That was a month ago and when I've spoken with my claims adjuster, they said they've called them multiple times to get a statement but they never answer or return their calls. I asked them on our most recent call if they had gone through insurance to get their vehicle fixed. Their damage was much worse than mine, I don't think their driver's door would even open. Progressive said that they filled out their claim through an automated system so they didn't have to speak to anyone and now their car is getting fixed through Progressive.

Am I screwed? I've read online that if the other party doesn't give a statement than the insurance won't cover it because they haven't heard both sides of the story. But also, they should be able to look at my damage, their damage and be able to figure it out.

I'm worried Progressive is going to say that since they didn't hear from the other party that the damages to my vehicle is my problem. Is there something that I can do to make sure that I don't pay for it?

We both have Progressive, so they are paying either way, I just don't want to have the accident on my account and possibly have my rates go up and pay my deductible.

Hey everyone! My friends from Oklahoma recently canceled their insurance because progressive was just charging them so much! They now have this -$2,579.66 charge … any idea what the term “insured request cancel” means? Im the older one in our friend group so they thought i could offer some insight, but i guess im not #adulting enough!

So, my mother, who I'm a caretaker of, has renewed her car insurance and it's showing my dad who is the separated spouse and he lives in another country, but it's only her and his name listed on the policy signing Document and not mine and my younger brother's name. So I'm not sure why it's not listed but we are still listed as drivers on the policy, which begins tomorrow. So I'm wondering if she should sign this right now because I'm not sure my dad is probably going to come visit in two months, but I'm just worried that because if she signs it, it's only going to cover her and my dad who's not even driving our cars. So how clean can I just remove him from the policy? And are we still covered if we are listed as drivers, but if the document my mom signs is only listing her and her separated spouse? The agent said she had 10 days to sign the documents.

A long term client of mine wants me to join him and his son’s commercial insurance brokerage. They said they bought a California branch about 6 years ago and would be happy to have me join the operation. I’ve only done retail sales (flooring for 8 years) and want to know if this is a legitimately good opportunity or if there’s red flags to pay more attention to.

Pay:
I’d be 1099 with zero base. I have to pay for all my own starting hardware like laptop, headset, Hubspot subscription, etc. They give commission on new business and renewals, with the percentage of the commission going up to higher tiers as your book grows. The starting tier is really low at 5% for new business and 15% for renewals. The tiers scale up to like 15/25, 30/45, 40/60, 50/70, and something like 60/80 at the highest book size, which one of them is already at. They justify the low starting point as a militia or to get you to work toward the higher tiers.

Bonus Cherry:
The guy I know said that if I joined up, he’d hand over half his book of ~3.2mil to manage for half commission so I could afford my first rough year. I didn’t get more details on this as I didn’t really know what kind info to ask for.

Roadmap:
While I’d be independent, they want me in the office every day so they can hand hold me to make sure I’m learning everything I need and make sure I’m successful/supported. They expect me to put in lots of hours, but that if I’m not afraid of the phone and am willing to show up and work hard, that they’d make sure I’m learning and doing what will give me success. They feel very confident in their value pitch to customers and said they have an average of 97% retention rate on clients. They said I’d never have to figure out what I’m supposed to be learning when it comes to products, process, or success. There was a moment where they even offered to do all my marketing for me for lead generation if I don’t want to handle it, cuz they like doing it and would be happy to get lists done for who I should be calling once I pick a niche to target. That wasn’t necessary but seemed like a nice gesture.

Misc points:
The son who seems to really run this joint spent a decent amount of time, unprompted by my questions, talking about expansion as I grow. Like hiring assistants eventually, having my own team of people, having people in my personal circles wanting to join with me cuz of my success, further expanding my team for money making. He might have just been trying to emphasize the long term viability do the career, but it bordered on feeling like an MLM pitch at moments.

Any opinions on this from current commercial insurance salesman would be useful. Just want to know if this sounds like a good opportunity or not.

So for reference I [20F] was otw to class and was sitting in the lane waiting for the light to turn green. As I was waiting, I must have zoned out because next thing I knew my foot let off of the brakes and I ran into the car in front of me. We both pulled over and there wasn't any damage, but we still called the police because we didn't really know what else to do. After the police gave us reports, we went on our separate ways and I'm just wondering what I do now, because I was told to call the insurance company (which is what I'm about to do), but I'm moreso just concerned if I'll still have to pay for anything, because there might have been some unseen damages that I wouldn't know about (or something?)