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Joined: Jun 2020
Posts: 10,840
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2020
Posts: 10,840 |
First...they have to spend on lexis nexus to guard against lying schit bags. They also end up in court arguing against schit bags who cause a fight after their lies are exposed. They also end up paying for stuff undisclosed drivers do in some cases.
Again thanks for letting us know who you really are.
Goodnight schit bag. As a former claims adjuster let me tell you what drives prices up, you ignorant [bleep]. It’s bitch made pricks that claim fake injuries. So, [bleep] you, I haven’t driven [bleep] up with a driver that hasn’t even ever had a ticket. Stupid azzwhole. Lmao Lexis nexus? Lmao
FUGK CCP
It’s time to WAKE UP
GOD BLESS THE USA
WWG1WGA
THERE ARE NO COINCIDENCES
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Joined: Mar 2009
Posts: 18,125
Campfire Ranger
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Campfire Ranger
Joined: Mar 2009
Posts: 18,125 |
I’m all outta Twinkie’s, dipshit. Lmao Holy Schidt! I guess Twinkies make fools delusional. What you don't know about insurance is about everything there is to know about insurance. Lol, enlighten me pops. Careful not to roll off your porch as you’re typing.
~Molɔ̀ːn Labé Skýla~
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Joined: Aug 2007
Posts: 115,424 Likes: 13
Campfire Sage
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Campfire Sage
Joined: Aug 2007
Posts: 115,424 Likes: 13 |
What about the Ruckus, Travis? Full coverage I hope Nah. Can’t kill it and nobody pulls you over.
Trump being classless,tasteless and clueless as usual. Sorry, trump is a no tax payin pile of shiit. My young wife decided to play the field and had moved several dudes into my house
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Joined: Jun 2020
Posts: 10,840
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2020
Posts: 10,840 |
What about the Ruckus, Travis? Full coverage I hope Nah. Can’t kill it and nobody pulls you over. Better be using hand turn signals
FUGK CCP
It’s time to WAKE UP
GOD BLESS THE USA
WWG1WGA
THERE ARE NO COINCIDENCES
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Joined: Jun 2020
Posts: 10,840
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2020
Posts: 10,840 |
I could eat a Twinkie the size of a loaf of bread right now.
FUGK CCP
It’s time to WAKE UP
GOD BLESS THE USA
WWG1WGA
THERE ARE NO COINCIDENCES
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Joined: Dec 2006
Posts: 28,172
Campfire Ranger
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Campfire Ranger
Joined: Dec 2006
Posts: 28,172 |
I’m all outta Twinkie’s, dipshit. Lmao Holy Schidt! I guess Twinkies make fools delusional. What you don't know about insurance is about everything there is to know about insurance. Lol, enlighten me pops. Careful not to roll off your porch as you’re typing. I just did, twerp, and I'm shooting gophers in my bottom field from my front porch. Come join me. I have plenty of ammo. 
Hunt with Class and Classics
Religion: A founder of The Church of Spray and Pray
Acquit v. t. To render a judgment in a murder case in San Francisco... EQUAL, adj. As bad as something else. Ambrose Bierce “The Devil's Dictionary”
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Joined: Mar 2009
Posts: 18,125
Campfire Ranger
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Campfire Ranger
Joined: Mar 2009
Posts: 18,125 |
I’m all outta Twinkie’s, dipshit. Lmao Holy Schidt! I guess Twinkies make fools delusional. What you don't know about insurance is about everything there is to know about insurance. Lol, enlighten me pops. Careful not to roll off your porch as you’re typing. I just did, twerp, and I'm shooting gophers in my bottom field from my front porch. Come join me. I have plenty of ammo. Oh, I thought you were gonna throw some laws at me, not just BS. Oh well. Lol
~Molɔ̀ːn Labé Skýla~
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Joined: Oct 2006
Posts: 1,916 Likes: 1
Campfire Regular
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Campfire Regular
Joined: Oct 2006
Posts: 1,916 Likes: 1 |
I have a buddy that just went through this. He had a sit down with his agent to understand what drives the costs. Apparently, one of the driving factors of price is how long you have owned the vehicle (not the age of the vehicle), but how long you have had that vehicle. Actuarial tables apparently show that the longer you've owned a vehicle without an incident, the less likely you are to have an incident. So getting your kid a new car, regardless of cost is not a good idea. You're better off to give them one of your other cars. Mine will be getting a 2008 4runner.
Maybe someone who's actually in insurance can shed some light. The problem with insurance agents is it's their job to convince you to buy the most expensive insurance they can sell you. There's no financial incentive for them to sell you something cheaper. Have you noticed if you shop your longtime insurance provider against someone else and threaten to leave them, they miraculously find some way to lower your rate so you'll stay?
Last edited by gsganzer; 05/12/21.
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Joined: Dec 2006
Posts: 28,172
Campfire Ranger
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Campfire Ranger
Joined: Dec 2006
Posts: 28,172 |
I’m all outta Twinkie’s, dipshit. Lmao Holy Schidt! I guess Twinkies make fools delusional. What you don't know about insurance is about everything there is to know about insurance. Lol, enlighten me pops. Careful not to roll off your porch as you’re typing. I just did, twerp, and I'm shooting gophers in my bottom field from my front porch. Come join me. I have plenty of ammo. Oh, I thought you were gonna throw some laws at me, not just BS. Oh well. Lol BS is what you understand, so why waste typing on things you don't? I just irrigated, and the gophers are popping up like a whack-a-mole game.
Hunt with Class and Classics
Religion: A founder of The Church of Spray and Pray
Acquit v. t. To render a judgment in a murder case in San Francisco... EQUAL, adj. As bad as something else. Ambrose Bierce “The Devil's Dictionary”
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Joined: Mar 2009
Posts: 18,125
Campfire Ranger
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Campfire Ranger
Joined: Mar 2009
Posts: 18,125 |
I have a buddy that just went through this. He had a sit down with his agent to understand what drives the costs. Apparently, one of the driving factors of price is how long you have owned the vehicle (not the age of the vehicle), but how long you have had that vehicle. Actuarial tables apparently show that the longer you've owned a vehicle without an incident, the less likely you are to have an incident. So getting your kid a new car, regardless of cost is not a good idea.
Maybe someone who's actually in insurance can shed some light. The problem with insurance agents is it's their job to convince you to buy the most expensive insurance they can sell you. There's no financial incentive for them to sell you something cheaper. Have you noticed if you shop your longtime insurance provider against someone else and threaten to leave them, they miraculously find some way to lower your rate so you'll stay? Most agent’s don’t have the slightest clue how premiums work.
~Molɔ̀ːn Labé Skýla~
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Joined: Jan 2008
Posts: 15,757 Likes: 1
Campfire Ranger
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Campfire Ranger
Joined: Jan 2008
Posts: 15,757 Likes: 1 |
13 years in the business at this point. And not so when it comes to threats to leave. If you are honest and put in the correct info then the rate is what it is.
Only way to miraculously find "discounts" on the fly is to lie or adjust something you earlier did wrong.
Have told many clients that their rate is their rate, based on the situation they are in. It's not arbitrary...that's the point.
And if I were to sell you the most expensive i could...you would not buy it or you would leave immediately. So that would be pretty stupid of me to intentionally not try to compete
Last edited by mjbgalt; 05/12/21.
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Joined: Dec 2006
Posts: 28,172
Campfire Ranger
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Campfire Ranger
Joined: Dec 2006
Posts: 28,172 |
I have a buddy that just went through this. He had a sit down with his agent to understand what drives the costs. Apparently, one of the driving factors of price is how long you have owned the vehicle (not the age of the vehicle), but how long you have had that vehicle. Actuarial tables apparently show that the longer you've owned a vehicle without an incident, the less likely you are to have an incident. So getting your kid a new car, regardless of cost is not a good idea.
Maybe someone who's actually in insurance can shed some light. The problem with insurance agents is it's their job to convince you to buy the most expensive insurance they can sell you. There's no financial incentive for them to sell you something cheaper. Have you noticed if you shop your longtime insurance provider against someone else and threaten to leave them, they miraculously find some way to lower your rate so you'll stay? Most agent’s don’t have the slightest clue how premiums work. BINGO! You got that one 100% correct. They are taught how to sell product. Score one for SB.
Hunt with Class and Classics
Religion: A founder of The Church of Spray and Pray
Acquit v. t. To render a judgment in a murder case in San Francisco... EQUAL, adj. As bad as something else. Ambrose Bierce “The Devil's Dictionary”
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Joined: Mar 2009
Posts: 18,125
Campfire Ranger
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Campfire Ranger
Joined: Mar 2009
Posts: 18,125 |
I’m all outta Twinkie’s, dipshit. Lmao Holy Schidt! I guess Twinkies make fools delusional. What you don't know about insurance is about everything there is to know about insurance. Lol, enlighten me pops. Careful not to roll off your porch as you’re typing. I just did, twerp, and I'm shooting gophers in my bottom field from my front porch. Come join me. I have plenty of ammo. Oh, I thought you were gonna throw some laws at me, not just BS. Oh well. Lol BS is what you understand, so why waste typing on things you don't? I just irrigated, and the gophers are popping up like a whack-a-mole game. Lmao, you told me I didn’t have a clue, waiting on that education you’re gonna give me. Lmfao. Loudmouth [bleep]. Keep talking out that azz, pops.
~Molɔ̀ːn Labé Skýla~
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Joined: Jan 2008
Posts: 15,757 Likes: 1
Campfire Ranger
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Campfire Ranger
Joined: Jan 2008
Posts: 15,757 Likes: 1 |
Sand Douche. Say any of that to my face. Please.
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Joined: Mar 2009
Posts: 18,125
Campfire Ranger
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Campfire Ranger
Joined: Mar 2009
Posts: 18,125 |
Sand Douche. Say any of that to my face. Please. Ok. Lol
~Molɔ̀ːn Labé Skýla~
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Joined: Jun 2020
Posts: 10,840
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2020
Posts: 10,840 |
FUGK CCP
It’s time to WAKE UP
GOD BLESS THE USA
WWG1WGA
THERE ARE NO COINCIDENCES
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Joined: Mar 2009
Posts: 18,125
Campfire Ranger
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Campfire Ranger
Joined: Mar 2009
Posts: 18,125 |
This [bleep] pretty simple, do it my way, or don’t.
If you feel like paying 50% more for someone that hasn’t done [bleep], go ahead. They get in an accident and you’re gonna pay.
Fuvk the system.
~Molɔ̀ːn Labé Skýla~
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Joined: Dec 2006
Posts: 28,172
Campfire Ranger
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Campfire Ranger
Joined: Dec 2006
Posts: 28,172 |
I’m all outta Twinkie’s, dipshit. Lmao Holy Schidt! I guess Twinkies make fools delusional. What you don't know about insurance is about everything there is to know about insurance. Lol, enlighten me pops. Careful not to roll off your porch as you’re typing. I just did, twerp, and I'm shooting gophers in my bottom field from my front porch. Come join me. I have plenty of ammo. Oh, I thought you were gonna throw some laws at me, not just BS. Oh well. Lol BS is what you understand, so why waste typing on things you don't? I just irrigated, and the gophers are popping up like a whack-a-mole game. Lmao, you told me I didn’t have a clue, waiting on that education you’re gonna give me. Lmfao. Loudmouth [bleep]. Keep talking out that azz, pops. I've read what you puked up, and it tells me you were a failure as an adjuster. Do you shoot as bad as your advice? My gophers are safe.
Hunt with Class and Classics
Religion: A founder of The Church of Spray and Pray
Acquit v. t. To render a judgment in a murder case in San Francisco... EQUAL, adj. As bad as something else. Ambrose Bierce “The Devil's Dictionary”
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Joined: Mar 2009
Posts: 18,125
Campfire Ranger
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Campfire Ranger
Joined: Mar 2009
Posts: 18,125 |
I’m all outta Twinkie’s, dipshit. Lmao Holy Schidt! I guess Twinkies make fools delusional. What you don't know about insurance is about everything there is to know about insurance. Lol, enlighten me pops. Careful not to roll off your porch as you’re typing. I just did, twerp, and I'm shooting gophers in my bottom field from my front porch. Come join me. I have plenty of ammo. Oh, I thought you were gonna throw some laws at me, not just BS. Oh well. Lol BS is what you understand, so why waste typing on things you don't? I just irrigated, and the gophers are popping up like a whack-a-mole game. Lmao, you told me I didn’t have a clue, waiting on that education you’re gonna give me. Lmfao. Loudmouth [bleep]. Keep talking out that azz, pops. I've read what you puked up, and it tells me you were a failure as an adjuster. Do you shoot as bad as your advice? My gophers are safe. Pretty bad deflection, pops. You gonna call me on what I don’t know or just sit there and look like an idiot?
~Molɔ̀ːn Labé Skýla~
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Joined: Jan 2008
Posts: 15,757 Likes: 1
Campfire Ranger
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Campfire Ranger
Joined: Jan 2008
Posts: 15,757 Likes: 1 |
Lol sand douche thinks someone else looks like an idiot
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