this post was submitted on 24 Oct 2025
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Highschool needs to teach financial literacy. $200 a month for insurance is insane. I pay that for 3 vehicles on full coverage (older trucks and suv, but damn).
Not saying this guy is wrong to be pissed but I see a lot of people who just don't understand how to shop around for shit and just eat the cost.
I agree with him though, we need single payer and mass transit.
Edit: also the further I get into this. The more I think we need to single payer so he can go to therapy, cause he's depressed as hell.
Insurance rates change depending where you are and who you are. 250 a month per vehicle for full coverage where I am. We just dropped coverage to minimum on one of them and it went down barely 15%. Shopping around found only higher rates somehow. I think insurance agencies are colluding to fix prices.
O they absolutely collude on pricing, but $250 a month for full coverage means you're probably driving a nearly brand new car....just why. Why does everyone buy the latest and greatest constantly and then cry about how much shit costs.
Nope, ones a 2015 and the others a 2017. I bought the 2017 for under 10k.
That's crazy, it means you're going to write off the entire worth of the vehicle in 2 years time. The hell do you live that you're paying $500 a month for 2 vehicles? Or do you have a shit driving record?
Well god forbid I actually need to use the service I pay for.
How tf do you shop around for insurance.
My employer: you have 3 options. The high deductible HSA plan, the medium deductible plan, or the low deductible plan.
Even if there are other options that aren’t subsidized by my employer, you can’t change your plan most of the year because of fucking open enrollment.
How is this user error and not America being America?
Car...car insurance, it's why I called out we needing single payer healthcare. This video was a dude bitching about car insurance.
LOL guess I just proved Americans are illiterate cause I reread the comment and it clearly said car insurance
Lol you're good, we do need to spend a lot more on our education system though.
$200 a month for insurance is peanuts if you have a teen on your policy. Our premiums tripled when we added our 16yo. He's 24 now, so pretty soon we're going to remove him from our policy and enjoy the savings.
16 year olds shouldn't be driving anyways, so I'm not surprised your premiums went up. Also...24 and you're still paying for his insurance???
In my state, it doesn't matter if he's 25 or 55. If he drives my car regularly he has to be on my policy for my car. That's the law. He has his own policy, for his own car. I don't ever drive his car, so I'm not on his policy. But since his car is a Mini, he borrows mine a lot too. And I don't like committing insurance fraud, so I follow the law.
Dunno where you are, but in the US, 16 year olds drive.
And every kid and every family is different. You parent your child, and I'll parent mine. You're not entitled to even form a fucking opinion on my parenting.
The car is insured, not the driver. Your comment made it sound like you still had him on your policy for his car.
In the USA, and while this is correct that they can drive, they shouldn't be. Just as when someone hits 65 they should be required to take yearly driver courses. A vehicle is not a right it's a privilege. We should have mass transit and the same level of driving requirements the EU has to get a license. Way to make people absolutely fucking suck at driving, and unfortunately the elderly and teens make up the majority of crashes.
No where did I question your parenting. I made a comment about an over all belief that kids need more responsibility these days. Calm down padre.
Thanks, I will certainly give your parenting advice the credence it deserves.
In most states the guardians can pay insurance for their dependent up until 25, at least for healthcare and the parents are probably extending that to their son's car insurance, generously. My mom kicked me off her plan when I was 23, but I've always had to pay for my car's insurance
18 here but at that age kids gotta grow up. Helping them financially when they get into a pickle is one thing but not teaching them what stuff costs sets them up for a world of hurt.
The problem is, you can shop around and find a good deal, but that good deal is "introductory", only for new customers, so after a while the price goes back to "normal" and you have to do it all over again. Then you have to do that for every damn thing, it gets pretty tiring.
Yea usually you gotta do it every few years.