Here’s the most expensive cars to insure as rates continue to skyrocket GMYT Ep 98
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- Опубликовано: 1 июн 2024
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You guys are not kidding when it comes to inflation hitting us hard. I am an Uber Lyft driver that pays $326.72 a month for just one car. I used to pay $340 a month for the same Infiniti Q70L. I know it’s because of my rideshare endorsement. I’ve been an Uber Lyft Driver for almost 6 years. I’ve picked up 9,348 passengers under Lyft and another 1,721 passengers under Uber equaling 11,069 so far. To think that I only paid $120 for my 2006 Pontiac GTO when it was brand new back in 2007.
When the government is giving out money like candy they have to make more to cover the cost. Just look at your new roof as your contribution to build back better.
@@davidclemens1578 There is global inflation, or you think the US is so special it can change that?
It's uninsured and unlicensed drivers causing accidents in Florida. A lot of hit and runs here.
In the UK car insurance seemed to spike with EV claims ranging from EV's burned down a house or more to the extent they wont insure an EV if you keep it in your garage or charge it in your garage. it is still thought that an EV was the cause of the Luton airport car park fire.
I drive a 20 year-old Land Rover and last year my insurance company tried to DOUBLE the cost of my policy.
When I told them I was - as I was speaking to them - looking at a comparison website that was offering insurance for half what they quoted me, they still only offered to reduce their quote by around 5%.
I thanked them for their time and went elsewhere... to a company that's just renewed my policy for the 2nd time at almost exactly the same price I paid last year.
Pretty sure insurance companies are a lot like credit-cards, ISPs and utility companies now; they offer discounts to new customers and gradually ramp-up the costs, hoping customers won't bother to look elsewhere.
Same issue I had with Progressive, except in my case, they lied to my state and told them their was a gap in my coverage, when infact there was not (i purchased a new policy with a different company 2 days earlier). Because of Progressive's spiteful fraudulent activity, my registrations got suspended, and I had to pay to get them reinstated, pay for new plates, and get notarized proof of the insurance coverage dates. Corporate greed and incompetence. The person who cancelled my policy at progressive could barely speak english.
That's just about right. A lot of people think they got good rates, and never really think about their insurance after that. I usually go every few years and look for insurance to make sure I'm still getting a good deal.
They are unfortunately one of the most stolen vehicles that they ship overseas, you can sometimes get a normal price if you install an anti theft device with some company.
What insurance do you use now?
As I have seen, one of the biggest reason for insurance hikes is down to electric vehicles. It's almost to the point, that if you scratch one it's a write off. So, with the amount of payouts the insurance companies are doing, you have to expect, they will hike their charges to get their money back. In fact, there is a lot of companies that will no longer insure an EV. Yep, EV's are sure the future.......NOT🤨
Here in Michigan I pay:
2018 FORD FOCUS ST $1,698.00
2020 TESL MODEL Y $2,586.00
2022 VOLV XC90 T6 $2,304.00
I work as a car insurance estimator, a big factor is the cost to repair the newer cars. So many have radar sensors, cameras, park sensors in the front and LED headlights, so once they wreck all that is expensive, and I commonly see $500-1,000 bills to calibrate the ADAS systems, which is a ripoff but it basically has to be done for safety so dealers or stand-alone calibration companies charge a ton for it. I commonly see $8-10k repair bills for hitting a deer and a few years ago they were more like $5k.
The insurance on my Hummer H1 went from $336 for 6 months to $611. Also if we measured inflation like we did in the 70's - inflation would be at 18.8% ... not 3.3% or whatever nonsense number the fed claims.
Take whatever govt number is and DOUBLE IT...
@@darrellsaunders4267 They don't include rent, insurance, or utilities in the official baseline figure, which is based on their "Consumer price index" for goods. Same as unemployment - it's only tracking full-time workers against unemployment claims. The real U6 figure is very different. 9% in my state. That feels correct - about 1 in 10 people are unemployed or under-employed/below the poverty limit.
www.bea.gov/data/prices-inflation/gdp-price-deflator - this is the actual data. You can see if you go to "interactive data" that the increases are per quarter and quite in line with what we see - closer to a 30% actual inflation rate if you rent, own a car, have to pay for insurance, or and so on.
I'll also add that just looking at the deflation index, the actual inflation for just 2023 was 11.1%. Yeah.. way more than 3.something. 2022 was 23.7% 2021 was 23.5% So it's slowing down, but combined, yes, it's nobody's imagination that prices have gone WAY up in the last three years.
@@darrellsaunders4267 with this admin may as well multiple it by 10
As far as I'm aware, the reason the fed gives that number is because its more of a month over month kind of thing.
I have a business in the insurance industry, there was data aggregated and the real number on each insurance company's inflation since 2019 is about 30%-40%.
FYI: If you're looking to save money on insurance, consider a broker.
They have access to tons of top carriers and can get you some great rates.
There is also tons of Niche carriers you've never heard of that can write you, these are great for poorer credit, tickets/accidents/DUI, etc.
Some companies I've seen that are ultra competitive right now are Progressive and Farm Bureau.
Farm Bureau has the most loyal customers I have ever seen (tons of 30+ years customers).
Progressive is just hard to beat, they have incredible pricing.
Consider Gainsco if you have an old car and do state minimums, they're very price competitive in that niche.
Stay away from State Farm, they preach having your own agent but they treat their customers like cash-cows, they don't care about you.
WE are paying for electric cars, remember, Insurance companies are NOT there to "Insure you" they are there to make a profit! Whens the last time you saw a Insurance co. commercial? Profit! Profit!
My wife and I have been modifying our life to cut back heavily on costs since 2023.
Same, and quality of life just keeps getting worse for the same price.
I can see why areas that are prone to natural disasters or theft would be higher. That’s generally why when getting an insurance quote you provide your zip code. Living in Kansas with a multi million $$ car collection you’d want to build a tornado shelter, (under ground level), for your cars. Maybe repurpose that huge hole you dug for the pond as the start for a Hoovie’s Garage 4.0!
All my insurance costs of gone up about 25%. The house, my business, and my cars. BAM.
I can offer some insight on why the Lexus ES300h is so expensive to insure. I had a current generation ES300h that was involved in a front right side collision with no airbag deployment back in August 2023 which required approximately $16k in repairs. I didn’t get the vehicle back from a highly ratedToyota dealership collision center here in Virginia until December 2023. The ES300h is built in Japan compared to the standard ES and the invoice had all these parenthesis on the replacement parts “Japan Built” and thus took much longer to source according to the shop.
The aftermarket replacement parts would not align properly and they had to go with new OEM replacements for nearly everything which is why it took so long to finish. Exceptional build quality these cars, but my insurance through USAA was very close to the quote in this video.
That’s crazy, I didn’t realize this! I’ll have to ask my wife what we pay for ours because now I’m curious.
that April laugh when Hoovie said he's inflated 😏😏
The Volvo T8 is a 4 cylinder PHEV.
I noticed a lot of hybrids and EV’s on your insurance list.
My annual auto policy for 2 cars for my wife and I went from $1300 to $2200. No claims.
That is insane! who are you insured by?
The Volvo XC90 T8 isn’t a turbocharged and supercharged 6 cylinder. It used to be a Turbocharged and supercharged 4 cylinder which has recently been updated to just a Turbocharged unit with no supercharger. They are also electric with the rear wheels being powered via electric motors and the front by the 4 cylinder turbo.
Insurance rates sky rocketed in 2023 i cant imagine it going up again. Great show my friend. You should have the Wizard on as a guest sometime i know it will really make thing pop! Take care
The worst is that responsible owners pay for those that are not. One in seven drivers have no insurance so guess who pays when they have an accident with you.
That is how insurance works it is a co-op. Rather than you paying thousands of dollars for an accident the co-op or other insurees help pay for your costs. Sadly when you go to cheaper companies you actually get what you pay for. I have talked to a few Auto body repair shops and ask them who is the worst insurance that they have to deal with and more than one of them have said progressive because they are reluctant to pay the estimate that the body shop gives them.
Now think about the millions continuing to walk across the wide open US border and trying to drive on the streets.
@davidclemens1578 While I agree with you, I think his point is that 1 in 7 drivers don't pay into this system. As a result, if one of those drivers causes an accident you may be the one who ultimately has to pay for your own damages despite being insured and not at fault.
The idea of "Underinsured Motorist Coverage" is essentially an extra cost you incur to protect yourself from these situations. Which speaks to this commenters point that those who pay often subsidize those that do not. Kind of ignores the fact that the person who is at fault can still be held legally responsible for the damage and repayment, whether or not you'll ever actually see that money.
People are driving extremely crazy. I noticed how people had forgotten how to drive after the lockdown ended and it's still horrible drivers. I was at a red light yesterday in my 96 Corvette when a guy in a lifted Gmc Sierra 2500 rammed me and pushed me all the way into the intersection and then he took an illegal left turn! I wasn't even in the left turn lane. He claimed that he didn't see me there! He finally admitted fault and gave me his insurance info. I just had another incident 2 weeks ago that a small scratch has a $1200 estimate for repair
In Florida my Homeowners Insurance has gone up 600% since August 2018. Car insurance up as well. As Always, May God Bless you and yours! 😇
We all pay for insurance for just in case, when something happens we all pay more. You would think insurance companies would have money reserves to pay for the things that happen but of course its all about shareholders profits so our money paid in goes right out to them. Then claims happen, hey we need more from you because we have to keep paying the shareholders the same.
Hoovie! Be nice to the kitty cat!
Rates are skyrocketing for many reasons like inflation, but I think the primary reason is all the safety sensors in the bumpers are totaling cars faster and easier
Everyone is feeling the skyrocketing inflation except our politicians, and theyre saying the economy is better than ever... Weird.
I have a family member that owns a small independent insurance agency in a town with about 28k people in it. And lots of smaller insurance companies have gone out of business or had to merge to survive. The covid car and house inflation caught so many companies off guard in 22& 23. Any claim that happens they have to pay the current value of whatever needs to be replaced/ repaired. They were still charging pre covid rates and a lot lost out. And the cost of medical expenses for an accident went up, and they had to pay. I know several nurses that work in Milwaukee and there was such a shortage for a will they were being offered triple time for any hour that they worked over the normal 40. If you don’t want to pay higher rates you can go with your state limits, create a trust title the cars in a LLC that you also create in the trust. If you were to be at fault for a large accident they could only take the state limits from the policy and sue for the value of the LLC/trust. But you’d be responsible out of pocket for any legal fees from a lawsuit against that. And you’d have to pay to create a trust. So for the average person it’s not really worth the hassle.
I feel like one reason is basic damage on cars is so hard to fix now. They have sensors and cameras all over.
Insurance companies are the #2 $$$ lobbying group in Washington. (Pharmaceutical companies are the #1 $$$ group)
T8 Volvo is the PHEV i believe.
Also insurance companies look at personal injury claims on the vehicle too.
I don’t insure my cars and I drive fast and usually very intoxicated, I hit stuff all the time and always keep driving so insurance doesn’t affect me.
Love the cat. Hope she has beautiful kittens.
The cost of living in the past 40 years is up 500%. Wages have gone up 80%. The problem is, if you fix the wages the greedy phooks will just inflate the prices more. There seems to be no winning this.
In the UK, I had 2016 Land Rover Discovery 4 (LR4) HSE Lux. Absolutely loved the thing, but insurance is just getting completely out of hand. Went from about £900/yr pre covid to now about £1.8k per year, despite being 4 years older. Just the worst mix of inflation, greed, and one of the top stolen vehicles in the UK. I sold it last month.
what did you replace it with
You better check with your insurance agent and make sure you have FULL replacement coverage on roof!
Why would anyone replace a metal roof with hail dents? The whole reason to go with a metal roof is to remain intact during wind, hail and wild fires. The notion of an insurance company paying for a new replacement for an old, cosmetically damaged roof seems like it would be expensive.
@@frankhage1734 Its called replacement cost coverage, and yes an insurance company will pay out to replace the entirety of the roof, or anything else, if it is damaged, as if it were new, as opposed to depreciated value (ACV).
RC policies are more expensive.
If you live in Kansas, I would assume they exclude wind/hail damage from homes due to the risk there, but I could be wrong.
Although hypothetically, if you were to do this and file a 200K claim and it wasn't excluded, you would get dropped by your insurance carrier and your premiums would be through the roof (pun intended) for quite awhile.
You'd be lucky to find a decent carrier after that.
The rate for my Alfa Giulia tripled when my policy renewed a month ago. My other 2 cars stayed roughly the same. All on the same policy with the same limits and drivers. Not fun.
My car insurance actually dropped about 20% this year. Same 2 vehicles.....same Insurance Company....
You're lucky
I Am up to $2700 with 5 cars. Two Corvettes one lexus one vw a nd one new 2024 Maverick hybrid. All you need is one plate for five cars my friend told me.
The XC90 T8 is 4 cylinder plug in hybrid
That's supercharged and turbocharged. It's probably the most complicated power pack on sale today.
I got my driver's license half a year ago (incredibly overdue), and it cost an extra 3 grand to be insured under both my parents' cars. What helped it from not being more is the fact I got a Masters degree.
May be.... just may be....I might be wrong....the insurance companies have to get their back their money of hiring the A list actors and football players in their TV commercial ...😅😅😅😅😅😅😅
I have 7 cars, and they all used to have full coverage, and now, they all have liability insurance except for my corvette
People crashing their cars on purpose so they can get out of the payment.
Boats are the same.
Every time you send a text message while you're in your vehicle ,, Your insurance company knows about it immediately and doubles your insurance 😂
I pay every 6 months on my fiesta ST. It was usually around 110 a month averaged out, and I drove less the past 6 months than the 6 before, had 1 claim, not at fault, and it got dropped, and my rate is up almost 50% from $620 for 6 months to $900... I'm 2 months from 25... fingers crossed.
My car insurance renewed last month and I was very surprised that it didn't go up. My home insurance however, went up 33%!
Try buying insurance in Michigan. No Fault is required by law, and there is no way to get plates without it. My 2011 Yukon Denali is $2500/year, with no points on my record and I live in a semi rural area.
I have a 2014 manual Kia Soul; they want $2000.00 a year now to insure a car that's only worth $4000.00. I guess they're saying it's a certainly to get stolen.
Obviously I'm going to just liability or whatever it's called. I wonder what they want for that.
I've got a 2020 p100d and a 2014 porsche panamera, I'm paying 354$ and that without full coverage on the porsche. It went up 100$ a month a car. They originally originally wanted $500 b4 I moved somethings around. 😔
I pay $7200 per year insurance with paid off cars. 2020 Mustang GT with Hagerty's (the lowest in my fleet), 2014 VW Jetta, 2015 Mazda CX-9, 2015 Mazda 6. I live in Boca Raton, Florida which is the most expensive area in Florida (Palm Beach). My kids are 19 and 24 too so not like they are brand new drivers. I jump around every years to a new Company to get a better deal, it's ridiculous.
My coverage jumped 32% I have 5 cars with AAA and with Homeowners and a Motorcycle for two drivers. I had a claim 4 years ago, but not my fault, so shouldn't have been a factor. They said is was just due to inflation.
In the area I'm in the number of people who run redlights has gone through the roof since covid.
Covid has affected the brain of people. They can say what they want, but it is what it is...
If that metal roof gets hailed out, I wouldn't even bother fixing it. It'll still do the job. And it'll probably just happen again. Just tell people you wanted a textured look 😁
"I feel the same way. My insurance rates have increased by 34% "Due to the new rules and regulations in California"
Uninsured Motorist Coverage is WHY WE PAY SO MUCH for having insurance.
SO MANY CLAIMS by us, the insured for uninsured or hit and run accidents against our vehicles 😢
Outrageous! But, no one will say that....
Tyler not just insurance but everything impacted by hyper-inflation. Corporate profits and executive bonuses show significant increases too, so we all have to pay up.
Getting quotes for my new car was getting prices double of last year shop around insurance companies are working on making as much as possible in profits
Please wait until we read about the insurance companies' record profits. Then we should all start getting mad. You can't get homeowners insurance in CA, and my car insurance went up 40% in recent years. My 2018 Jeep Wrangler is $250 monthly to insure, and my wife's 2018 Charakee is about the same. My daughter's 2016 Honda Pilot is $125 monthly, all with no clams.
We shop our insurance every year and have been shocked at the huge differences for the same policies from highly rated insurers.
Certain companies like state farm are losing money on claims right now
@@CarsandChris I've been with State Farm for 25 years and have everything with them (home, auto, motorcycle, life, umbrella) so big discounts. Every couple of years I become convinced I can find it cheaper and shop around. But apples to apples I can't match it.
@@sburns2421 wait until you have a claim.
@@sburns2421that's the same for me. Nobody can touch the rates I get through my SF agent. Been with him for 25 years as well.
You need a fleet policy. We have multiple drivers and 30 ish cars on full coverage for a decently price.
This inflation stuff is terrifying. My insurance doubled! I thought it was unfair as I made my firwst claim in twenty years after my car got washed away in a massive flood. I mean, I didn't cause the flood, I am not God! I just parked my car and overnight the waters decided to swallow my town. Everything has gone up over these past twelve months.
It's not inflation, it's lack of regulations protecting people from industries like insurance, and gas. Why shouldn't they price gouge us? There's nothing to stop them, and no incentive for them not to
I remember years ago VW/Audi had absurdly high insurance rates and the explanation was the high cost of collision repair panels. That's likely the cause of Lexus rates
The advantage of metal roofs is hail doesn’t damage so much. Just live with the dents.
Like others, I feel your pain, Hoovie. We have a Honda Accord and my BMW 328i. Our insurance went from around $4k per year to over 6K per year. My 18 year old son driving will have our car insurance be over $10K per year. My home owners policy just increased 40% as well. Like you, we don't have claims, and have just been given the excuse of claims as a result of the weather here in Texas.
I hate to agree with Tyler, but Kudos for pointing out that driving habits went to hell during the pandemic. I tend to blame everything that’s gone crazy since 2021 on the effects of COVID, but when people stopped paying attention to red lights it only makes sense that insurance claims (and then premiums) would go up. Until they start enforcing the laws again this is not going to stop.
When I bought my 2023 Defender 90 last October the first thing my Insurance agent asked me was if it was an EV. I'm paying $1800 a year and don't think it's too high.
EV's are so easily totaled because of the batteries and fear of fire if they get damaged. You also have people who can't afford their car payments anymore and are wrecking them or having them stolen on purpose to get out of the loans. So everybody else has to pay for them and prices go up.
I worked for an insurance company through the pandemic, and I’m actually kind of disappointed that you, Hoovie, as a car enthusiast didn’t think of this already - insurance companies are in the business of repairing and replacing cars, and we saw literally statistically the largest increase in those 2 things on record. Of course the cost of insuring cars went up drastically. The same thing happened to homes. Remember when the price of vehicles increased significantly, like 10-50% depending on the car? That’s what you’re paying for. I bought a Hyundai in 2019 that’s worth $1,000 less KBB today than when I bought it with 40k miles. You’re paying more money because the insurance companies will pay more money if you have a claim. Also, I quit working for insurance companies within the last year. They suck, but for other reasons - this makes sense.
Phones are the biggest problem, but the fact that visibility from modern cars is absolutely horrible is probably a big part of the accident rate increase. How about instead of blind spot monitoring, cameras and electronic “driver aides” just build cars people can actually see out of again.
The government inflation figures are based on a list of about 300 durable goods. Rent, insurance, and utilities are NOT tracked properly as nobody I know is paying less than $1200 a month. Rent could double and we're still officially at 3 or 4%. lol. No, not making this up, either. Everyone I know is paying about twice to just live month to month as three years ago. Where I live, it's now $3K a year with a clean record. It went from $160 a month to $240.
We did it Joe
It's the same over here in little old ENGLAND insurance has double, but just have to say cor blimey April is just delicious 😍
I just had two cars totaled by golf ball to baseball size hail from a freak storm in SC. I would imagine Kansas gets serious hail more often. No way I'd be putting on a metal roof.
Had to replace a/c in my rental mobile home a year ago……13000.00…….if I would’ve replaced it in 2020, it would’ve been 7500.00….
Good drivers pay for bad drivers (and thieves). My car insurance went up almost 30% early last year, so i changed companies after 30 years. New company instantly bettered old company by 20%
The Volvo T8 is the plug-in hybrid I believe. It has a super charger, turbo charger, and hybrid battery drivetrain.
My credit score bounces between the high 700s to low 800s. No claims of any sort with any company in over 10 years. Been just as long since a traffic violation. Been with this insurance company 7 years. Last my homeowners ins jumped 27% on a 1400 sq ft home and I pay $1200 a year on 2012 Ford Fusion now. Call around and they are still the cheapest for me. I just don't get it. I miss the good old days when responsible behavior, keeping same car, being loyal to provider was rewarded with lower rates.
Just out of college in 02 I found a Dodge stealth RT just for giggles I asked my guy for a quote he told me 1540 for 6 months
Most insurance will not cover KIA’s!
I have 2 Mercedes : 2010 W212 insurance AU$650. 2018 W213 AU$2500. W213 has far too much technology - bumper sensors, radar sensors.
Insurance man tells me EV's insurance will skyrocket.
Recently a EV had a crash at a roundabout near my house. Rolled over on its side and damaged the bottom of the car and battery pack cover. Tow truck wouldn't take it without being inspected by an expert from the car company. The roundabout was closed for hours with police, fire truck, barriers in attendence until the expert arrived. After towing had to be left in a paddock well away from other cars in case of battery incident. If the crashed car had been an ICE vehicle it could have been rolled back onto its wheels and driven off.
Funny this video came out because I had a shower thought last night about this same topic. Every time I try to cut some of my personal spending back, be it canceling subscriptions, changing providers, etc, something always offsets that's savings with in a month or two. Bought new Corolla Hybrid to replace my 2021 GTI. Fuel cost to go way down, but insurance goes up. I actually thought the insurance would go down, but nope. Then I got a friendly reminder from a friend that when it's time to renew the registration on the car in a year, I'll be hit with an additional $60 hybrid tax. Yes Kentucky wants their money because charging yearly property value taxes on homes and cars just isn't enough apparently. So it seems like no matter what I do to save, with in a month or two, something hits back. Like you Tyler, I never use my insurance. Trust me, I'd love to use it on a tree in my backyard that's been threatening to topple over. But at the same time, I don't want a rate hike. So if they are going to hike my rates, well I want it to be worth while, so when it eventually falls, takes out the privacy fence, roof, gutters, and part of my neighbors roof, then at least it's justified rate hikes.
Just added my 16yo son last Oct and his 2002 Jeep Grand Cherokee. Went up by $250/month.
Okay, a lot of kids aren't gonna like this and some parents will neither do not put your child on your Insurance policy.Start their own that way if they get in an accident the whole family doesn't have a rate hike and their rates will start to decrease if they don't have an accident alot quicker..
You are starting to feel how to be in Brazil, just starting...
50% increase on my m550i. I drive an average is 7500 miles a year. Absolutely insane. My wife's cx9 was the same. 45% increase. She drives less then 10,000 miles.
Two vehicles over 16 years old. We are on Social Insecurity. Never made any claims. Went from $175 to $295 a month. They say because they have had a rough year. Can't resist screwing people harder..
59% increase!
Not like there's a party who continuously eliminates safe guards for consumers in order for companies to maximize their profits
Cancel cancel cancel and find a different insurer.
Living with disability, have 17 year old car and never had ticket or accident. Looking for other insurance. I had äärp discounts and paid full year. If you’re over 55. You’ll get better discounts. Except house ins.
@@Rom3_29 that's who I've been with for 18 years..
Maybe it's about time to start voting?.......what a theory lol
as an insurance agent. the increase is due to the Kia/Hyundi and chargers/challengers being stolen left and right! just saying. most ins co. won't insure these cars with comp and collision.
2006 Sienna Keeping it real here,
Thanks for another GREAT content subject! Very useful
Those rates are nothing compared to NY
Gotta sell some of those cars my guy!
I blame electric cars. Insurance companies total them out at the drop of hat. The other insurance policy holder pay for that, not the insurance company.
I saw what you did with that Altima Jake. 😂
I'm glad I retired w/no commuting. Older low mileage cars. Paid for, maintainable. Drive for pleasure or errands. Keep miles down, save wear on car. Be safe.
She sounds so excited for kittens. I'm not sure of Nelix's age, but if it's her first time, don't have high hopes. It's very common for the first to be one or two and for them to be stillborn. Also, get the cat spayed. The health issues later in life aren't worth it. Mine is currently recovering from a late (13y/o) spay because she had uterine infection that is apparently common in older intact females.
Theft and damage from theft, but also the cost of parts and labor is way up.
Also EVs are MUCH more expensive to repair.
I think some driving aids may be making people worse drivers as well as phones not helping. People seem to be struggling to stay in their lanes more and more.
It’s good to see hoodie still humble. He big daddy Doug on the other hand, he change 😂
…. Hoovie…..the only reason insurance is up is good old fashioned GREED….oh and drugs😜…and the DEVOLUTION OF CIVILIZATION
I was paying $900 a month for my 2023 Lexus IS500, I switched to a 2024 BMW 540i and now pay $450 a month. Literally half… Lexus is impossible to insure these days
I think Lexus is popular with people who never took driver's ed in the USA.
Family Umbrella policy doubled from 2023. No claims on cars but up 20-30%. Curiously my superbikes have stayed the same.
All my cars for years, have had hands-free calling. Even with that, I have noticed that I am not as attentive when I am talking on the phone. As a scuba diver, we know if there is a shark nearby, point the shark out to the diver with the camera, and they will fearlessly swim towards it while everyone else swims away.
Seeing Tyler struggle with the cat is hilarious! I bet is worth it though 😏