They have formed partnerships in recent years. It one of the biggest sources of our troubles. Glen Beck included this in a recent video that is a fantastic overview of the structure of power.
Someone today posted that the cost to start a project in New York, 40% was regulation. Cost of grading, installation of water, sewer, & power. Before any houses are started, 40% will grease a lot of palms.
@truthseeker4280 who said vote republican? Vote for the person not the party. Party lines have pushed us to far from each other. If you are afraid that if you don't pick a side that you will not be represented, then you've already lost. The parties must fear the voters.
Leaving CA this month. Driven out by crime, taxes, regulations, policies taking away parental right & control and giving them to school boards/admins, doctors, therapists, and courts. If you have children you'd be a fool to stay.
Please don't come to my state and then Vote democrat and vote for the same policies that turned California into a dumpster fire ... this is already happening, we don't need more crazy Californians here. ROFL jkjk.
I work for insurance. Bodyshop/dealer labor rates have risen, part prices have increased, paint materials have increased, the newer cars are starting to get more 1 time use parts, there also also tons of sensors/cameras/modules in these new cars that a simple collison can easily double replacing those parts and then you need to pay to calibrate all of those damaged electronics.
Printing endless dollars means prices rise immediately, while income rises later, incurring debt that must be "financed" over time, faster than wages have ever risen. I once lived well while buying motorcycles and cars, financed by multiple jobs simultaneously, at least I loved the work. I bought worn-out machinery and tools and built a machine shop which paid the difference. The tools I own were made at the time we still manufactured as a country.
My family thinks about leaving... never been to Japan. Is it easy to move and set up everything, find a job and not be from there and not speak the langauage?
@@glenlackey2 The short answer to your question is, "No." You have to have a work visa (which means hired beforehand, since you have to be sponsored), you can't own any property, and outside of tourist areas, being able to communicate with the Japanese people is difficult. Honestly, if you want to move out of the country, I'd pick a place closer to home--especially if you can speak Spanish already. If not, try Belize instead.
You can definitely own property and for little to no money you can buy an akiya. You can create an llc to get a bank started by a local rep. There are multiple visas you can get for long stays but you’d have to eventually come back to the states for a few months for it to reset for you to get again.
You will never be Japanese and still always an outsider. Asian countries are very racist because of their culture. Toxic work culture and natural disasters is another issue.
Just get a bond... That is all the insurance company is doing, bonding you... However, most people can't afford a 30 or 60k bond to drive, hence the insurance company... Some states just require a surety bond or a cash deposit... California: Allows for a $35,000 surety bond or cash deposit with the DMV.
@@richotter All of the insurance stuff is just a way to let people who can't afford a surety bond... If people had money, they wouldn't need health insurance, car insurance, and mortgage insurance :P
@@richotter some of the ultra-wealthy can prove funds and essentially self-insure in most states, although insurance can get rid of lots of headaches when situations do occur..
u r lucky, bcuz if you get in a crash, even if it is someone else's fault and they admitted to police, your insurance will still go up, it is criminal.
@@_Elizabeth_theMaid Let them... no sane person wants it. No sane person wants a UNION... our country needs to move on past the barbaric concepts of a UNION.
Easier said than done. I just moved from a house to a small condo and spent thousands $$, every cent I had on the process in Corruptifornia. Modt of the people I know are low information democrats who shed tears that Prez Trump might get elected. And they are unaware of the insurance armageddon coming because of eliminating police and democrat inflation.
I JUST moved out of California last month. Sold my house for twice of what I owed, paid cash for the house i'm in now and have 10 years of money to pay the bills I have and still have money coming in and I RETIRED.
It's called "The Doom Loop". Make the conditions so awful that all dissenters leave, making the population more concentrated with people who support the leadership. For every Californian who leaves, they're replaced with 10 illegals pumped into the state.
They'll come repossess our cars! Even if they've already been paid for! Sanctuary bullshiiite! It's a sanctuary for effing criminals and these illegal criminals only. The rest can perish however they don't effing care about anyone here.
People in California don’t know what they don’t know! I’ve had business there - and people there THINK what’s happening there is happening everywhere! They’re literally economically ignorant!
Easy to be that way when majority of people who still live there have been for over 30-40+ years. I’d be economically ignorant too if out of nowhere my aunt dies and I’m a millionaire for having a condo passed down lol.
"...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔 This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde) Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)
Why? It's not like Republicans are doing anything to help either. Ron DeSanitis and the Republicans are in charge of Florida. Florida has the same insurance problems as California.
I was raised in the Midwest and I’ve now lived in California for 45 years. I’m grateful that I grew up and was educated in the Midwest because most Californians I talk to are simply clueless when it comes their own best interests. It’s mind boggling.
@@mikep2262you sue. I’m uninsured 6 months now. They raised my rates to 600$ a month (LIABILITY, not even full coverage!) on a 10,000 Acura. That used to be rent on a 1 bedroom a few years ago. I’m 21 and I’m not gonna pay that, sorry. If I’m dumb enough to cause an accident I’d fully expect to get sued. And vice versa. WTH are we doing allowing ourselves to be scammed like this. I’m not gonna bow down and pay up. It’s been cheaper paying tickets for no insurance than actually having insurance. That’s how I know this is out of control.
Also - TX has a lawsuit suing because car companies were sending consumer driving data to insurance companies WITHOUT consumer authorization for the last decade.
The illegals are in all of the states in America....did you not know that????? Google it and find out where they are in each state!!! that is how I found out On You Tube. God Bless America...All 50 of them!!!!!
@@thewedge8823 as did the cost of living, win win. My two vehicles and house insurance combined is $485.00 every 6 months. My electric bill is 68 bucks a month, gas bill 39.00 a month. Property tax on 5 acres with 7 buildings(one is a 7 year old 4 car garage) and a 3 bedroom home is 1,200.00 yearly.
@@thewedge8823I moved from California to Georgia and I make less money now than when I was in Cali. Each year I save way more than what I did living in Cali and live much more comfortably thanks to cost of living decrease by moving
Currently paying $2,396 per year for two cars and condo insurance with Farmers Insurance. Received a “Notice of Non Renewal” and was told today that if I wanted to renew with a new policy it would cost $6,455 per year. I’ve got a perfect record and never had any claims. This is insane.
That is their plan to make everything too expensive so Americans can depend on the Government! Guess who owns the Insurance companies? Guess who owns all the farm lands and food chain? These are evil people!
As a Californian I can attest to the fact that my homeowners insurance, after over 20 years of continued insurance with them and zero claims, was cancelled a few years ago. The only option was the California Fair Plan and it's expensive. We just received our renewal policy- it went up 30 percent in one year.
Pathetic. You’re a complete hypocrite to attest anything. As a Californian, let alone a United States citizen, y’all are responsible for this bullshit.
I met an older couple from Cali this weekend and we talked Cali economics. The woman immediately said she hated Trump even though we were talking about Cali. I told her about the economics and the woman just said she wanted universal healthcare and universal education, which are foolhardy endeavors. It made me realize that some people are idiots, and some people just want things handed to them because they suck at life. My opinion is that a lot of Californians are just liberals who want the government to do everything for them. These are the types to be smart enough to see what's wrong but keep voting the same way. I say we jettison CA and leave them out of the union.
"...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔 This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde) Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)
I’m a plumber in CA. Any customer that has a leak needs to repipe the entire home in order for their home owners insurance to THINK about keeping them. Wild!
I left California when I was 41 and have lived in Idaho almost 30 years. I have budgeted my finances to account for lower wages and have enjoyed my residence here. I miss the good things I experienced there but the taxes, fees and cost of living in California have become so prohibitive I’m staying put.
I've had TheHartford insurance in AZ almost a year ago. They wanted me to pay 50% more upon renewal. I switched to another company. They are begging me now to return back sending their paper offers on a daily basis, never interrupted. If you count the number of envelopes, it will cover a significant part of what they wanted to overcharge me. So stupid!
I got a quote from Hartford, having never used them. They were more than double what the company I went with quoted me for homeowner's insurance. Beware seniors, this is the company that AARP uses to SCREW their members over.
Oregonian here, I will NEVER get insurance from Hartford. In 2007 as part of a community outreach program to connect Seniors & kids, I met several seniors who got auto insurance from 'The Hartford' via AARP that were paying 81 to 150 dollars a month for Liability only coverage - One of the ladies in the program was shocked that I was only pay 75 a month for full coverage & decided to meet with the agent I used, he got her the same coverage for 35 bucks a month, after that she put the word out & almost all of the seniors in the group switched to other companies.
I was a first time homebuyer in California and had to sell in late 2021 because we couldn’t afford it anymore. Let me give you another example of how fair Cal”Fair” is... When we bought our home insurance was $1900/year, full coverage (including wildfire). For several years it increased by about 15% each year, which was bad enough. However in 2019 when the state massively overly regulated insurance, our insurance company would no longer cover wildfire. So we were FORCED to use Cal Fair. JUST for wildfire insurance from Cal Fair, OUR cost was over $6,000/year paid out of our pocket. This was in addition to our primary coverage at about $3000/year. In five years our home insurance went from $1900/year, to $10,000/year all because of Cal “Fair”. Combine that with massively increasing costs of goods and services in the state, all the covid F-ups, lockdowns, and an economy purged in chaos... I went from attaining my dream to facing a complete nightmare which I am still working to recover from.
That is an awful picture. But the good news is you got out, and hopefully, where you moved is already a better life for your family. That is not the American dream; that's a tragedy. Good luck!
It is nice to see that someone in Canada has a spine. He calls it out. Good for him. Hopefully, there are a lot more people who are as smart and clearly see what's what.
The jump isn’t due to “increasing claims, storm damages, costly repairs” and everything else these guys talked about. The jump in auto insurance is because they are raising the minimum liability limits substantially which means carriers and reinsurers are going to have to pay out way more for “injuries” and other damages. You’re going to see a massive increase in billboard injury attorneys across CA.
This has already happened in trucking. They have doubled minimum liability amount. Repairs have gone up not 30 percent but more like 60 to 70 percent. Ask me why everything on the shelf costs more
As an insurance agent, it is insane how many carriers have stopped writing in Cali. The assigned risk pools are supposed to be the insurance of last resort, but Cali has made it so even the average person ends up in the pool. It is a nightmare as an agent doing business with Cali businesses and residents
A person's "profession" has nothing to do with the quality of their advice. There are stupid doctors and smart homeless people. Wisdom = Wisdom on its own merit. Do not fall for the argument from authority fallacy.
700,000 restaurants have closed in Canada, and the only one's that are opening are the big fast food joints and are charged twice the price. Then they hand out coupons for more then the old prices of their goods. They are no longer busy at those prices. I am talking about Canada
I’m an insurance agent. More and more insurance companies are going to Excess and Surplus Lines. By using E&S Insurance, companies can bypass the California Insurance Commission. California home/auto insurance is very challenging. If State Farm exits CA it’s game over for insurance in the State, in my opinion!
@@GhostDog36556 B/C State Farm is the largest insurer in the entire country. Where they go, the industry follows. So State Farm leaves, the typical response would be for the competitors (Farmers, Allstate, Progressive, Geico, etc.) to try and capture those customers. Problem is, even the nation's other big insurers don't have the capacity (surplus as we call it) to take on all those customers.
Oil companies need to pull out of California, the state doesn’t want them and they will face a death of 1,000 regulation and lawsuits. Shut down the wells, close and dismantling the refineries, either transfer or lay off workforce. California wants to quit fossil fuels cold turkey, Harris can help her😊
They're the same anti-racists that called Larry Elder, a black man, "the black face of white supremacy". We gave them a great candidate as an alternate during a recall but it their response was essentially "no not that black man"
But do they really? Or is it plausible, so easily fraudulent? At this point, I have to give my fellow members of society the benefit of the doubt, and say the later. Nobody's that stupid to keep voting for this.
I'm in Chicago and ride the bike all year, unless I take the dogs to the vet or go on vacation, then I rent a car or van. As a 66 yo lady, I'm done working on cars as I was done getting ripped off by mechanic's years ago. As far as boy friends botching repair jobs, done there too, and it make for happy relationships. I also have an extra $700/month for dresses and other stuff. If the shtf, the car ain't working anyway. So nice to be done. 😊
@@Barbara-te7xz Just beware of you will own nothing and be happy! It seems to be a conveyance to you not a need of owning a car but beware of propaganda that helps you decide you are happy with no value a car has or home. / in emergency need off a loan or emergency money that owning a car you could use as collateral on your loan. That is worth peace of mind, if ever needed it’s in your driveway . Just something to think about and think about if you were exposed without little helping hand of encouragement of not owning a& or how the extra money would be used towards buying something for your self ? A want or need? Makes a difference And would they be an item that brings value to your worth or simply junk or brings temporary pleasure satisfaction that last usually as shiny wears off . I think your decision is the best for you r personal situation just make sure it’s one that values you and your future for the best possible life that is rewarded when you know what your worth is and value of your assets and the benefits of accumulating value if it will decrease or increase over time. Beware the government or anyone that stresses the importance of useless wants that hold nothing but junk price or a dollar in a garage sale. Should be more important to you then your own ability to achieve assets that work and grow for you. Then you will never have to rely on the government deciding if your emergency is worth helping you with. We all know the answer they won’t even blink an eyelash and ask if you own anything of value as collateral on you emergency funds most likely needed the day before. You realize you’re in a pickle. :()
@@thomasgoff4700 Yes after nearly 60 years I was finally able to purchase a home. And I was watching rents skyrocket, being on disability and nearing retirement age with an income of just over $1000 a month I found what I thought would be my home for the rest of my life. Because of the insurance (btw that was the cheapest I could find) I did not buy and instead used my good credit to help a disabed Veteran friend buy a home when he finally got his back pay that was used for down payment.
If you don’t have insurance, you can’t drive .. hasn’t this all worked out for the 15 min city people. /so you make it unsafe and then you come and say I’m going to make it safe for you. Nothing ever happens by accident has nothing to do with climate. It’s just their “vehicle.”
It's not about stupid, It's about the regulatory state running the hated "corporations" out, so govt. can assume total power. It's a classic methodology of Communist ideology to destroy the middle class. Don't forget how often the Leftists rant against the "rich corporations " The people of Calif. mostly agree with this. now they are reaping the consequences.
"...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔 This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde) Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)
They aren't stupid...it's part of their plan. They want to make it too expensive for you to own and operate a car. The reasons they give are just cover stories....bogus explanations. They want Californians in stack-and-pack rental units, and totally on public transport.
My aunt just had her roof caved in because of something before she bought it, they only gave her 10k after 20 years of paying and the quote was 18k, after they dropped her.
Not true. I've had two claims for stolen vehicles and my insurance has not gone up - and they cannot drop me. I've been insured by them for 40 plus years and they cannot drop me from the insurance policies.
I had my catalytic converter stolen off my car (I live in a very safe neighbor), and within the next 3-4 week after my claim, I get a letter saying my rates are going up about 20% and that this is just normal increase due to the times. Never had an accident, ticket, and never had an issue until the catalytic converter was stolen.
PBD! Thank you from Canada!❤ I’m a Canadian who watches your podcast religiously! Thank you for being one of the only podcasts other then Rogan to help expose the corruption going on in Canada, we need to work together USA and Canada and your right, Canada reminds me of California. I’m one of the same type as red shirt guy! And god bless him for keeping his cool, and getting his message out! God bless Canada, and god bless the USA! There’s more of us here that feel the way you do about things and all our voices need to be heard! Thank you PBD! Much love and god bless! Continue to expose the corruption, and please continue to lend a friendly ear to your mostly awesome neighbours to the north!🤙❤
Every time PBD said, "Can you imagine..." Living here as a homeowner in CA, it's so much worse than described. Left out the fire fallout on insurance companies, I was dealing with policy cancelations every 3-6 months for 3 years as they were doing blanket zip code bans.
I'm a caterer, I've been doing it full time for 2 and 1/2 years since I retired. Food costs have doubled since I started and it's absolutely killing me. The last thing I want to do is shrink my portions and or raise my prices.
The only exposure to food service I care for is the production side and trying to keep input costs at or near zero. I keep a massive garden and some chickens😊
I live in CA. We pay over $2600 a year for 2 vehicles. My Caddy has full coverage. I was in an accident and I paid $1000.00 deductible while the insurance company paid $15,000.00! I can understand why they want to leave!
I was born and raised in California. My entire family is here. My wife and I make a good living. 300k a year and I’m still getting squeezed. I don’t know what to do. I’m getting taxed to death, nickel and dimmed to death and I just don’t know what to do. My home owners insurance went up 35% this year and for what. I live in a tiny condo in Santa Monica. My parents are getting killed by insurance. I’m telling you, as soon as I retire in a year, I’m not just leaving the state, I’m leaving the country. I’m going to Mexico so I can have some control in my life. Healthcare is ridiculous here everything is worse here. The American dream is officially over. I’m sorry.
My wife and I used to live in SaMo. We sold our Townhouse in 2022 due to all the crazy people and increasing expenses in CA, LA and West coast. We are living very comfortably now but do miss the weather. We might move to Japan or Europe in the future, things are getting too crazy in the USA.
There's nothing to miss about the weather. It's practically the same year round. There are no seasons and it's boring honestly. Heaven forbid if it's a little uncomfortable for part of the year.
Patrick, and crew, as a Canadian I can tell you that there is wide-spread confusion in our country as to how the current prime minister is still the prime minister. He is a politician, Zero business acumen, zero financial accountability. If I don't hire a smart and awake accountant to take advantage of every tax loophole available, I would end up no better off than people working for me. BTW, healthcare up here isn't free, we pay for it with taxes on this and taxes on that!
I work for a roofing contractor and almost every day I hear someone say their insurance carrier told them they will drop their coverage if they don't put a new roof on their building within 30 days...our schedule is 2 to 3 months out
I’m in Cali, practice real estate and have family members that this “fair plan” directly effects…we are told that the insurance problem is a nation wide problem, not just exclusive to CA residents…my question is: Will it ever go back? These cost of living increases are out of control!
Economic studies have shown/proven that an average of .53 cents of every dollar of price increase is pure corporate profit padding aka greed aka as Kroger's CEO admitted 'Price Gouging', which is not illegal under federal law. It will end when congress gets off their arse and passes a bill to make price gouging illegal. Also, enforcing laws like those in the the Sherman Anti-Trust Act and the Clayton Antitrust Act would help a lot, but that requires electing congressional politicians who will close the revolving door between agencies like the FTC and the companies their supposed to over see/'regulate'
"...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔 This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde) Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? )
totally screwed up: I am 78 yrs. old; have driven since I was 16 yrs. old; not one accident; not one major claim; not a ticket in 30 yrs. and my car insurance went up 110%....terrible....luckily I have a non expensive car
If they give you a drivers test at 78 and you pass, insurance should be the same. Welcome to age discrimination. It is real, and I'm sorry this is happening to you. Your 78 years young.
I'm a senior in high school but when I look at the baby boomer generation such as yourself, yall grew up brainwashed into thinking the government is there for you and the government can be trusted. But what do you know decades later the government steals your guys money(social security) and never pays it back in full and yall are left with 2000 dollars per month before bills. The only reason my grand parents are okay is because Texas gives property tax exemptions to veterans(That being my Grandpa). I'm not throwing shade at you I just think yall were greatly wronged straight from birth and I hope your insurance goes down 110% is absurd. Heck I think the 30% interest for credit cards is ridiculous.
My family built a home about 10 minutes outside of town, permits took 18 months...18 months for a single family residence. At the end of it all, we applied for homeowners insurance we were required to get fire insurance as well... We were denied by every provider. After emails to city officials, insurance carriers, etc we were directed to the FAIR act. They quoted us 7000/year for fire insurance...more than our property tax...We are stuck because the bank requires it but we can't afford it. we even submitted paperwork for all the fire upgrades in our home which were required by law...they promised to lower our premium after reviewing it all....Our premium went UP. Also power rates have more than doubled since we started construction. After forcing us to get solar, we now still have a power bill HIGHER than before we moved from our last home with no solar, but have thousands less dollars to pay for it. PGE has a power monopoly soooo no other options. THIS SHIT IS CRIMINAL. But thank God when Kamala gets in office she will straighten out this mess! lol
We are required to have insurance in California but if we can’t afford insurance it effects our ability to earn money at our jobs we commute to and travel and others will just drive illegally and then get buried in fines and fees and then can’t hold down their job or go to jail because they can’t pay their fines. Does this create a new wave of people who will now have misdemeanors and felonies? Because bet on it, people are going to find a way to feed their families.
Re:misdemeanors and eventual felonies. Good reason for the government to restrict your constitutional rights. Reducing the number of people who can exercise your second.
Can confirm. I’m in SoCal and this year my auto insurance went from 1,200 to over 1,700 for the 3,000 miles I drive a year. My condo insurance went from 635 to 2,200. Thanks Bidenomics!
I've been telling my parents that for months now, trump could get 500 million votes (obviously that's impossible but I'm using it as an example) the dems would say "every vote counts" even if it's illegal votes or just fake ballots. This happens until they're just a handful of "votes" ahead. That's how biden got in, pelosi was in Miami receiving truck loads of mail in ballots well after the deadline but that bitch kept it up.
8 million illegals driving around with no insurance in cali also--btw every 10% raise in insurance rates causes a %% in legal folks who quit paying for it--so in a few months 25% more folks that were legal wont pay for it.
Geico leaving California should tell you how bad this is. It's literally a government business. The government doesn't even wanna stay there. Ridiculous
The jump isn’t due to “increasing claims, storm damages, costly repairs” and everything else these guys talked about. The jump in auto insurance is because they are raising the minimum liability limits substantially which means carriers and reinsurers are going to have to pay out way more for “injuries” and other damages. You’re going to see a massive increase in billboard injury attorneys across CA.
I work for an insurance company in CA and we are pretty much the only game in town at the moment. Every other call we get is about why rates went up. My heart squeezes just a little extra for those on a fixed income. They're already at state minimums and maybe have liability only on their cars, and still can't afford the insurance. It breaks my heart.
Here where I live in California almost all of my favorite mom and pop restaurants have closed. Some locations have reopened for a short time with new owners but eventually have closed again. One building has had four businesses come and go in just the last couple of years. The business environment has become so bad here in California I just can't imagine why anyone would want to start a business.
I got laid off from my good STEM job April 2023. The only job I could find was Temp which means you have zero health benefits, vacation, sick time etc. I had to accept wages I haven't made since 2004. I am highly skilled with excellent references. There is a hidden recession going on.
I moved Wisconsin two years ago from Napa California. When I got car insurance it was almost $1000 cheaper. I was shocked and I asked why and he said because car theft are way lower here.
It’s happening in CT too.. a Democrat state. My coworker had to file a claim for his roof. The max claim allowed was 20k. Total cost was 49k. They approved and paid for the claim and immediately cancelled his insurance right after. Now, the cheapest quote he got was 14k/year increasing his total mortgage from 1800 to 3100/mo. During the same week, my grandparents in laws insurance is being cancelled because the repair they needed for their home “wasn’t don’t up to spec”. Absolutely insane and totally not a coincidence… 🙄
I can blame a lot on democrat socialists but this insurance BS isn't one of them. Insurance companies are rap1ng us all. My brother who works for Progressive just got a @20% annual bonus of $29K. Despite what you hear, they are raking in the $$$.
tRump did nothing but tweet, write love letters to Kim Yung--play golf, eat MacDonalds, let many hundreds of thousands die from Covid!!! Krazy man--too lazy to even read daily briefings--his son in Law did it for him! Go away Maga forever!!
I work as an underwriter for a carrier that was planning to go into CA, but have since backed out. On top of the Fair act, it's the fact that California has a lot of stupid tertiary policies that cause the increase including environmental policies and crime prosecutions. When Smash and grabs are allowed with no deterrent, Theft has gone through the roof not to mention the constant level of repairs. And everyone but environmental activists seem to understand that the lack of underbrush clearing is increasing Fire severity (one of the reasons we ask people to trim their yards and trees)
I’m affected by a huge increase in monthly payments due to being forced onto the California Fair Plan. I’ve lost neighbors who leave because of this. I love where I live and my community but my future is uncertain and my community is being torn apart due to this insurance issue and there is nothing being done. Thousands are in the same position as me.
I work for State Farm, in the Subrogation department, and I'm going to thoroughly explain why auto insurance in California is so expensive. 1) California has many uninsured drivers 2) California's body shop hourly rates are the highest in the US, thus making the repairs more expensive. 3) Auto accidents in California are higher than most states, more accidents, means more repairs, which means higher premiums 4) California is near the top in auto thefts (Comprehensive claims) 5) California has a Pure Comparative Liability Negligence Standard. This means, an insurance company is allowed to recover up to 100% of their damages, from the at fault parties insurance company. For example, let's say Karen runs a red light and hits Bobby. But Bobby admits to being distracted and not seeing Karen, as Karen ran the red light. Karen's insurance company could file Subrogation against Bobby's insurance to collect up to 100% of their repairs, and vice versa for Bobby's insurance. Let's say those insurance companies disagree on who's at fault and they go to Arbitration. Let's say the Arbitraror places 90% fault on Karen and 10% fault on Bobby, well Bobby's insurance pays 10% of Karens property damages and Karen's insurance pays 90% of Bobby's property damages! Most states are Not Greater Than States, which means if you're 51% or more at fault, then you can't recover anything from the other driver's insurance company. Some states bar recovery at 1%, which is awesome haha. So in California, insurance companies pay out more, because the bar is so low to prove negligence. 6) the cost of doing business is extremely high in California. Body parts, labor rates, installation, tows, storage costs, etc all costs more in good ole California. Hope this helps.
Born and raised in Sacramento, CA….it’s insane! Yes, the insurance companies keep poking us! People can’t get insurance on their houses in these” high risk fire” areas . Now these insurance companies that are still here doing business they are saying all of CA is at risk. People of California have tried to recall Newsome 2x just can’t touch the guy!
@@Clemfandang0 Or don't be a defeatist and stay/vote. Things are getting worse before they get better, but CA is showing large increases in people registering as republicans.
@@Carlos559Caps Kevin Kiley is a repub US rep in 3rd district of CA. Socal (Orange County for example) is full of red voters. I agree the Bay Area is full of these types. I'm sure Hollywood is the same.
@@Larry_Hegs I’m personally never a defeatist. Been voting Red all the way down the ticket since 1980. If you look at a map of how people vote in California the rural areas are mostly Republican…it’s the big cities such as Sacramento, LA, SF and the west coast along the ocean they always vote Democrat. The big cities employ tons of Government workers and just people in general getting their government goodies so I guess they will always vote blue. Very frustrating.
Thank you PBD for caring about Canada, especially what that man said to Trudeau. I watch all your content because I care about American issues too, thank you for more exposure of our issues!
3 cars full coverage for $455 a month is not much. Tha t equates to $151 each car. I pay just $25 under that for a used car 2012. What ins do you have?
If you are paying 450 full insurance for 3 cars, I wouldn't be crying, I pay 260 for one car. I dropped full to liability on my truck for 120. My other car has garage insurance for 60. I'm in louisiana. Car and house insurance is scandal don't care what Patrick says. Pay insurance on my house 15 years never used it. Big tree branches messed up my front of roof during a bad rain. They said it was act of nature and God they wasn't paying for it.
We had a “Mom and Pop” vacation rental. It was full every day. The Hawaii State Government put restrictions on us saying we Must rent for 30 days or more. So here we are as homeowners, we can’t rent by the week but only by the month. All of us that have been doing this for over 20 years, many of us now widows , have lost much of our income because most people can not vacation for a month. It’s all about government control.
My home insurance has gone fro $1500 to $10,700 in the last few years. My car insurance just jumped over a $100 a month. My health insurance just went up $800 a month. I’m a freaking teacher. How do I afford my house anymore…. Plus, no one will buy my house with rates so high. Free market our insurance so we can afford this state again.
With this economy middle class is getting it the worst. Poor people get alot of government assistance for all kinds of stuff. Rich people can handle it and middle class is making just enough to survive but thet don't qualify for majority of government assistance so we are feeling it the hardest.
$85 every 6 months on basic insurance for my ‘99 Tacoma in Alabama. I have 65 cutlass full coverage at $143 a year. A camper full coverage right at $100 a year. 2004 F-150 at $140 2x a year basic. 1) move out of Cali 2) stop wasting money on cars and insurance.
I pay 160$/ month on a 16 year old salvage title prius worth like 4 grand and its LIABILITY not full coverage. My last accident was 6 or 7 years ago. Tell me how the fuck that makes any sense
Auto insurance prices are based on your credit score. If your score is bad, do what you can to improve it. After you get credit score stable, get insurance quotes from 3-4 reputable companies. Other factors include your age, married or single, college student etc. ask your agent what can you do to lower costs. I added a renters policy to my home, it lowered my auto, and it was like getting renters policy free, simply because I now have multiple policies
I quit driving a few years back and rent cars here and there. There is a space reserved in my garage in case a 68 cutlass or gto turns up on my driveway. If that cutlass you have is in good shape you really should spend the money on stated value, unless you flat bed it to car shows. Those classics are magnets for uninsured aholes, and key jobs 😢
@@Barbara-te7xz there’s a 68-70 Lemans nearby in dark green for $18,000, body looks good but seems high to me. My 65 was bought by my parents new, have pic of mom pregnant in front of car. Black and white pic, mom with bee hive hairdo
We moved from Ramona, Ca. (just outside San Diego) to Filer, Idaho. Our home owners insurance went from $2600/yr to $670/yr for a house that was twice as large on the same lot size.
The governor of Cali wants to be 1 of the riches men in the world. Think about it, why is he investing in other business ventures while he already has a commitment to do a job for the people as a governor. Governor is using his power to enrich himself and is corrupt AF. It only takes Common sense to see this.
Hate to tell you it's happening in every state the libs are trying that in Idaho but they got a fight on there hands there because the residents show up to city meetings they don't in the bay area California I lived there and nobody shows for city meetings.period.
Gavin Newsome’s net worth is 20 million. By comparison, Betsy DeVos is worth 1.25 billion. Donald Trump is worth 7.5 billion. Newsome has a very long way to go to be the richest politician.
So I lived in Bahrain when I was in the Navy. Their insurance was simple. You paid like $300 a year for insurance and there was a sticker on your car windshield that was a color for that year. When you get in an accident, your insurance only covers your car.
Those stats are definitely skewed because of the amount of illegal immigrants getting insurance after getting their license this year, with no driving experience and most likely are charged as much as 18 year olds. I live in Massachusetts and 128.000 immigrants got driver's licenses this year, California is probably 5x that. Massachusetts also controls the car insurance and it cost 4x more than people in New Hampshire who don't restrict certain insurance. I'm against both crutches on insurance in our states but I'm surprised nobody mentioned that. Also soon all the illegals buying houses with zero down and $150k government money. So soon your home insurance will go through the roof.
And In NJ the rates from State Farm, just rose 20%.....and We haven't had anything, speeding tickets, accidents or even anything wrong go on with our home, for the 20 years we've been with them.....
Your first mistake is looking at this situation or any situation in California as blind unintentional and accidental. It absolutely is intentional. The government wants to get rid of private insurance agencies so that it can come in and save the day by offering subsidized government insurance at a very high premium! How else is the state going to pay for its deficit!
New Jersey did this too!!! Horrible. Car insurance monthly is higher than a monthly car payment. Now these insurance do not have to have you on as a customer. If my car transmission is out for more than a month I have to keep it on insurance even though its sitting on my driveway. Ridiculous.
I have never gotten a ticket in my life and drive under 10,000 miles a year. No accidents nothing. I'm paying more than I have ever paid in my life. Even my mom who probably hasn't even put 10,000 miles on her car in several years is paying more than ever.
@@zariaeda007 Yep! It's going to go up in every state! I moved from NC to FL last year and when I renewed my policy with USAA, my 6 month premium for two cars went from $1,300 to $3,600 with zero accidents or infractions! My monthly payment went from $220 to $600...
I live in San Diego and am planning on leaving next year. I am sure that auto insurance is going up due to all the non-insured drivers here. The home insurance fiasco is BS. CA put a cap on what insurance companies can charge, but made it to where insurers left and now you have to use the State Home Insurance program which charges more than what you were paying (so the cost increase to homeowners shouldn't matter) and add to that the program is being sued because they aren't paying out. I don't blame insurance companies for leaving, with all the crime and CA not doing anything to lessen the fire damage because of it's eco policies it's not even about them making a profit, they are probably paying out more then what they are getting. It's bad here and the people that don't agree with that are either well off or benefiting from govt assistance.
![Yeat & Quavo - 5BRAZY [Official Music Video]](http://i.ytimg.com/vi/4XxnTAwyxus/mqdefault.jpg)
How can anyone, with an ounce of common sense, say that anything in this country has gotten better over the last 4 years.
It seems the population has become increasingly stupid
Well atleast you know the ones who say that are the ones you don't vote for
Only DEMONS-cract politicians and supporters say that. The no sense, hypocrites, racist and elites are also saying that.
TDS
Exactly I see comments from people saying that their portfolio is booming, I just laugh at their LIE'S
I left Cali in 2021, I make less but I have more money. Must be all the Cali tax. Best financial decision I ever made
Same in 2020.. saved about $4,000 a yr!
That is exactly what they wanted... They are pushing out their political opposition...
How much do you guys make annually now? And then?
Where did yall go ? I have to escape with my baby soon
They are driving out their political opposition...
It is insane that people will blame the companies and not the politicians
Most people don't understand economics.
Why is it insane? Biden spent his entire presidency demonizing corporations. People believe this stuff.
Its totally the politicians faults💯💯💯
They don't understand basic economics. That's how being a democrat works
They have formed partnerships in recent years. It one of the biggest sources of our troubles. Glen Beck included this in a recent video that is a fantastic overview of the structure of power.
Someone today posted that the cost to start a project in New York, 40% was regulation. Cost of grading, installation of water, sewer, & power. Before any houses are started, 40% will grease a lot of palms.
Anyone that saw “Back to School” should know this!
Newsome is literally the Captain of the Titanic and is aiming the ship right at the ice berg, and laughing.
No he's not. He is the shallow tip of the iceberg in seemingly calm waters. He's very deceptive as to his true damage capability.
he likes the white powder allegedly. that's probably the least bad thing he does.
You really think a Republican will fix this situation right away ?. Anyone who believes that can check the bridge for sale out there in Brooklyn.
@@drunkwolf2477 im from California. Live ur life. Dont come here.
@truthseeker4280 who said vote republican? Vote for the person not the party. Party lines have pushed us to far from each other. If you are afraid that if you don't pick a side that you will not be represented, then you've already lost. The parties must fear the voters.
Leaving CA this month. Driven out by crime, taxes, regulations, policies taking away parental right & control and giving them to school boards/admins, doctors, therapists, and courts. If you have children you'd be a fool to stay.
Just don’t leave and vote democrat in the next state. The reason California is the way it is, is because of the democrats!
Almost sounds like some design to get rid of all the middle class families, #GetTheNormiesOut doesn't it?
Im leaving today. Taking a break from packing my car to watch.
Please don't come to my state and then Vote democrat and vote for the same policies that turned California into a dumpster fire ... this is already happening, we don't need more crazy Californians here. ROFL jkjk.
Only reason I see people live in California its because of nature that’s all Cali has to offer
I am from Canada, and when I saw the steel worker, calmy denounce Trudeau, I cheered!!! The worker is spot on with everything he said!!!
Trudeau sucks how does he live with himself panning out donuts
Well he is Castros son. Like pop, just like him!
I work for insurance. Bodyshop/dealer labor rates have risen, part prices have increased, paint materials have increased, the newer cars are starting to get more 1 time use parts, there also also tons of sensors/cameras/modules in these new cars that a simple collison can easily double replacing those parts and then you need to pay to calibrate all of those damaged electronics.
Bla Bla Bla
Printing endless dollars means prices rise immediately, while income rises later, incurring debt that must be "financed" over time, faster than wages have ever risen. I once lived well while buying motorcycles and cars, financed by multiple jobs simultaneously, at least I loved the work. I bought worn-out machinery and tools and built a machine shop which paid the difference. The tools I own were made at the time we still manufactured as a country.
Grew up SoCal. Moved from L.A. to Osaka, Japan in 2016. One of the best decisions I've ever made.
My family thinks about leaving... never been to Japan. Is it easy to move and set up everything, find a job and not be from there and not speak the langauage?
@@glenlackey2 The short answer to your question is, "No." You have to have a work visa (which means hired beforehand, since you have to be sponsored), you can't own any property, and outside of tourist areas, being able to communicate with the Japanese people is difficult. Honestly, if you want to move out of the country, I'd pick a place closer to home--especially if you can speak Spanish already. If not, try Belize instead.
You can definitely own property and for little to no money you can buy an akiya. You can create an llc to get a bank started by a local rep. There are multiple visas you can get for long stays but you’d have to eventually come back to the states for a few months for it to reset for you to get again.
You will never be Japanese and still always an outsider. Asian countries are very racist because of their culture.
Toxic work culture and natural disasters is another issue.
@@richarddexter7641maybe Hungary. Maybe not closer, but they seem to have their stuff together
been paying insurance my entire life.. never had a car accident, biggest scam in history.
Just get a bond... That is all the insurance company is doing, bonding you...
However, most people can't afford a 30 or 60k bond to drive, hence the insurance company...
Some states just require a surety bond or a cash deposit...
California: Allows for a $35,000 surety bond or cash deposit with the DMV.
@@CrabFilesthat’s interesting I haven’t heard of that before. That would be a great option if we did have that kind of money to put down.
@@richotter All of the insurance stuff is just a way to let people who can't afford a surety bond...
If people had money, they wouldn't need health insurance, car insurance, and mortgage insurance :P
@@richotter some of the ultra-wealthy can prove funds and essentially self-insure in most states, although insurance can get rid of lots of headaches when situations do occur..
u r lucky, bcuz if you get in a crash, even if it is someone else's fault and they admitted to police, your insurance will still go up, it is criminal.
Leave California Leave the governor with his clowns
Unfortunately I think that’s what they want. People / corporations will swoop right in and buy up the most beautiful state in the union 😢
@@_Elizabeth_theMaid Let them... no sane person wants it. No sane person wants a UNION... our country needs to move on past the barbaric concepts of a UNION.
Easier said than done. I just moved from a house to a small condo and spent thousands $$, every cent I had on the process in Corruptifornia.
Modt of the people I know are low information democrats who shed tears that Prez Trump might get elected. And they are unaware of the insurance armageddon coming because of eliminating police and democrat inflation.
no stay in your mess and fix it.. commiefornains keep leaving but then commie up the states they go to
@@_Elizabeth_theMaid Things is, there's nothing the average people can do about it. If they want you out, there always a way without physical force.
Our children are moving out, doctors, nurses, police, fire, engineers, accountants, teachers, and we parents are following
Don't move. FIGHT FOR UR STATE!!!!! DON'T RUN FROM GREEDY GAVIN THAT SATAN LOVER
I JUST moved out of California last month. Sold my house for twice of what I owed, paid cash for the house i'm in now and have 10 years of money to pay the bills I have and still have money coming in and I RETIRED.
@@scottluvisi9941 you are so fortunate. Wish I was 😞😞
Are they chasing you down for taxes to be paid.....even though you moved away
Smart🎉
That’s called winning…
We fled in 2015.
Lived in Sonoma County for 43 years. Moved out last year with my wife to a red state and the way of life went up so much 🎉 rip Cali
Pls don't make that state blue with your votes.
And it’s the best area of California by far
Are you a Democrat?
Remember that when u vote
Like everyone else said, you left a shit hole, don't turn wherever you moved into a shit hole. If this is even real that is.
PDB guys are wrong… California wants those businesses to leave so Californians have no choice but to depend on the state for all their needs.
Bingo
One of the 8 steps to communism.
It's called "The Doom Loop". Make the conditions so awful that all dissenters leave, making the population more concentrated with people who support the leadership. For every Californian who leaves, they're replaced with 10 illegals pumped into the state.
@@mustangracer5124 This is correct
California and New York are test pilot states for future Communism in all the States.
So what happens when a state doesn't have insurance companies but it is mandatory to have insurance??
California will open a assistance program we're you could get an insurance loan haha.😂
Is the California government doing this on purpose so the poor and working people don’t have cars because they can’t afford them ?
Sell your car and Uber.
@@stephenkern5784 so uber doesn't need insurance?
They'll come repossess our cars! Even if they've already been paid for! Sanctuary bullshiiite! It's a sanctuary for effing criminals and these illegal criminals only. The rest can perish however they don't effing care about anyone here.
People in California don’t know what they don’t know! I’ve had business there - and people there THINK what’s happening there is happening everywhere! They’re literally economically ignorant!
Easy to be that way when majority of people who still live there have been for over 30-40+ years. I’d be economically ignorant too if out of nowhere my aunt dies and I’m a millionaire for having a condo passed down lol.
"...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔
This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde)
Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)
And when given the chance.. they vote for more taxes and bigger government to "fix" the problem.
It's the drugs, sun and Marxists professors brainwashing. Californication. It's not just a song
DC is the same way. People there claim to be smart and "progressive". They are a bunch of idiots.
Blame people who voting blue
Ns, The Juice, and women.
You think voting actually works? Interesting
@@coonplatooneverywhere else? Yes. California? No. It’s too corrupt.
Why? It's not like Republicans are doing anything to help either. Ron DeSanitis and the Republicans are in charge of Florida. Florida has the same insurance problems as California.
Bingo you got it!!
I was raised in the Midwest and I’ve now lived in California for 45 years. I’m grateful that I grew up and was educated in the Midwest because most Californians I talk to are simply clueless when it comes their own best interests. It’s mind boggling.
@@coreytrevor1311 been to Minneapolis lately?
@@jmspegel Same theory applies to any city or state controlled by democrats.
How about Chicago and Kansas City? Those Midwest places have higher crime rates than CA and NY.
@@kathyjohnson6206 Of course. They all have democrat “leadership”. 😂
@@jmspegel we don't count MSP since at least 2016
If insurance is getting this expensive, it should no longer be mandatory
What? And what happens when you get hit by an uninsured driver?
@@mikep2262you sue. I’m uninsured 6 months now. They raised my rates to 600$ a month (LIABILITY, not even full coverage!) on a 10,000 Acura. That used to be rent on a 1 bedroom a few years ago. I’m 21 and I’m not gonna pay that, sorry. If I’m dumb enough to cause an accident I’d fully expect to get sued. And vice versa. WTH are we doing allowing ourselves to be scammed like this. I’m not gonna bow down and pay up. It’s been cheaper paying tickets for no insurance than actually having insurance. That’s how I know this is out of control.
That sounds well and good until you end up in a crash.
I drive a badass chevy Silverado I am tired of these slimballs with no insurance or a drivers license
If they hit my pride and joy and don’t have insurance it’s the aluminum ball bat
The problem with most politicians and bureaucrats is they have never run a business, not even a lemon stand.
...as well as the majority of voters...and they base their votes on Sound Bites, rather than some understanding of the subject.
No the problem is idiots who keep voting for incompetent people
We are having to pay for the uninsured and illegals.
Exactly 💯
Also - TX has a lawsuit suing because car companies were sending consumer driving data to insurance companies WITHOUT consumer authorization for the last decade.
The illegals are in all of the states in America....did you not know that????? Google it and find out where they are in each state!!! that is how I found out On You Tube. God Bless America...All 50 of them!!!!!
and the criminals
Yup! & those pieces of shit don’t get in trouble for not having it
Moving from Commiefornia to Iowa my insurance dropped by 45%... My car used to get broken into at least once a year.
I hope you vote RED!
@@highland-scott902that's the thing, they move out and try to turn a red state into blue.
yeah and your income probably dropped by 45% too right
@@thewedge8823 as did the cost of living, win win. My two vehicles and house insurance combined is $485.00 every 6 months. My electric bill is 68 bucks a month, gas bill 39.00 a month. Property tax on 5 acres with 7 buildings(one is a 7 year old 4 car garage) and a 3 bedroom home is 1,200.00 yearly.
@@thewedge8823I moved from California to Georgia and I make less money now than when I was in Cali. Each year I save way more than what I did living in Cali and live much more comfortably thanks to cost of living decrease by moving
Currently paying $2,396 per year for two cars and condo insurance with Farmers Insurance. Received a “Notice of Non Renewal” and was told today that if I wanted to renew with a new policy it would cost $6,455 per year. I’ve got a perfect record and never had any claims. This is insane.
What better way to get rid of cars than to make cars impossible to own /insurance?
Same with guns!!
That is their plan to make everything too expensive so Americans can depend on the Government! Guess who owns the Insurance companies? Guess who owns all the farm lands and food chain? These are evil people!
Lol there has to be a viable alternative or people will revolt....eventually
@@curtissharris8914 it won't be the sheep in California
took me 45 minutes to get in n out yesterday. Get rid of all the fucking cars as far as I'm concerned
As a Californian I can attest to the fact that my homeowners insurance, after over 20 years of continued insurance with them and zero claims, was cancelled a few years ago. The only option was the California Fair Plan and it's expensive. We just received our renewal policy- it went up 30 percent in one year.
how much is it ?
Get out now
@@almcdonald8676was just gonna write that.
Pathetic.
You’re a complete hypocrite to attest anything.
As a Californian, let alone a United States citizen, y’all are responsible for this bullshit.
And CAN STOP IT and CHANGE IT!!!
I met an older couple from Cali this weekend and we talked Cali economics.
The woman immediately said she hated Trump even though we were talking about Cali. I told her about the economics and the woman just said she wanted universal healthcare and universal education, which are foolhardy endeavors. It made me realize that some people are idiots, and some people just want things handed to them because they suck at life. My opinion is that a lot of Californians are just liberals who want the government to do everything for them. These are the types to be smart enough to see what's wrong but keep voting the same way. I say we jettison CA and leave them out of the union.
Unfortunately we have to deal with a swathe of lazy sachs of shit and whats worse they have voting power.
"...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔
This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde)
Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)
@@fatcat5817I’m glad I didn’t,ove threrwhenoffereda job there 30 years ago
They are worse than idiots. They are idiots with closed ears for explanationn and opened for propaganda
Remember the ALAMO?? 😂
@@fatcat5817
I’m a plumber in CA. Any customer that has a leak needs to repipe the entire home in order for their home owners insurance to THINK about keeping them. Wild!
This is the “you will own nothing but you will be happy” prophecy.
I left California when I was 41 and have lived in Idaho almost 30 years. I have budgeted my finances to account for lower wages and have enjoyed my residence here. I miss the good things I experienced there but the taxes, fees and cost of living in California have become so prohibitive I’m staying put.
You nailed it. Move to a better state and learn what living within your means is like. Idaho is a great state!!
@@TexasGurlAlwaysAndForeverthat's allstates stand... r u in good hands? 🥴
@@sovereignrage1787 🤣staying on our toes while dodging hurricanes and liberals.
I've had TheHartford insurance in AZ almost a year ago. They wanted me to pay 50% more upon renewal. I switched to another company. They are begging me now to return back sending their paper offers on a daily basis, never interrupted. If you count the number of envelopes, it will cover a significant part of what they wanted to overcharge me. So stupid!
I got a quote from Hartford, having never used them. They were more than double what the company I went with quoted me for homeowner's insurance. Beware seniors, this is the company that AARP uses to SCREW their members over.
Oregonian here, I will NEVER get insurance from Hartford.
In 2007 as part of a community outreach program to connect Seniors & kids, I met several seniors who got auto insurance from 'The Hartford' via AARP that were paying 81 to 150 dollars a month for Liability only coverage - One of the ladies in the program was shocked that I was only pay 75 a month for full coverage & decided to meet with the agent I used, he got her the same coverage for 35 bucks a month, after that she put the word out & almost all of the seniors in the group switched to other companies.
I was a first time homebuyer in California and had to sell in late 2021 because we couldn’t afford it anymore. Let me give you another example of how fair Cal”Fair” is...
When we bought our home insurance was $1900/year, full coverage (including wildfire). For several years it increased by about 15% each year, which was bad enough. However in 2019 when the state massively overly regulated insurance, our insurance company would no longer cover wildfire. So we were FORCED to use Cal Fair. JUST for wildfire insurance from Cal Fair, OUR cost was over $6,000/year paid out of our pocket. This was in addition to our primary coverage at about $3000/year.
In five years our home insurance went from $1900/year, to $10,000/year all because of Cal “Fair”. Combine that with massively increasing costs of goods and services in the state, all the covid F-ups, lockdowns, and an economy purged in chaos... I went from attaining my dream to facing a complete nightmare which I am still working to recover from.
That is an awful picture. But the good news is you got out, and hopefully, where you moved is already a better life for your family. That is not the American dream; that's a tragedy. Good luck!
It is nice to see that someone in Canada has a spine. He calls it out. Good for him. Hopefully, there are a lot more people who are as smart and clearly see what's what.
The jump isn’t due to “increasing claims, storm damages, costly repairs” and everything else these guys talked about. The jump in auto insurance is because they are raising the minimum liability limits substantially which means carriers and reinsurers are going to have to pay out way more for “injuries” and other damages. You’re going to see a massive increase in billboard injury attorneys across CA.
And insurance companies are being forced to have enough money to cover the policies cause people have gotten screwed by insurance companies
This has already happened in trucking. They have doubled minimum liability amount. Repairs have gone up not 30 percent but more like 60 to 70 percent. Ask me why everything on the shelf costs more
Lol Patrick don't talk about all the insurance companies leaving FLORIDA because he's a REPUBLICAN
And so many illegals driving with no insurance nor licenses.
@@DeliverMeFromEvil-why?
As an insurance agent, it is insane how many carriers have stopped writing in Cali. The assigned risk pools are supposed to be the insurance of last resort, but Cali has made it so even the average person ends up in the pool. It is a nightmare as an agent doing business with Cali businesses and residents
George Clooney is a actor, enough said. Don't take life advice from celebrities, politicians or media figures.
A person's "profession" has nothing to do with the quality of their advice. There are stupid doctors and smart homeless people. Wisdom = Wisdom on its own merit. Do not fall for the argument from authority fallacy.
@@CD-vb9fiSometimes authority claims can get you killed
700,000 restaurants have closed in Canada, and the only one's that are opening are the big fast food joints and are charged twice the price. Then they hand out coupons for more then the old prices of their goods. They are no longer busy at those prices. I am talking about Canada
You know what the cartoon character said in the South Park movie: “…(BLEEP) CANADA!!!” 😂
Restaurants are a tough business to begin with. With all that's happening in the economy, they will be a thing of the past everywhere.
I work for State Farm. We are policy owned. You are exactly right on everything. Love listening to you!!
I’m an insurance agent. More and more insurance companies are going to Excess and Surplus Lines. By using E&S Insurance, companies can bypass the California Insurance Commission. California home/auto insurance is very challenging. If State Farm exits CA it’s game over for insurance in the State, in my opinion!
Why
@@GhostDog36556 B/C State Farm is the largest insurer in the entire country. Where they go, the industry follows. So State Farm leaves, the typical response would be for the competitors (Farmers, Allstate, Progressive, Geico, etc.) to try and capture those customers. Problem is, even the nation's other big insurers don't have the capacity (surplus as we call it) to take on all those customers.
Why is CA insurance challenging?
bro in English
Oil companies need to pull out of California, the state doesn’t want them and they will face a death of 1,000 regulation and lawsuits. Shut down the wells, close and dismantling the refineries, either transfer or lay off workforce. California wants to quit fossil fuels cold turkey, Harris can help her😊
AND the people in CA just Vote Blue No Matter Who, it is ASTOUNDING!
They're the same anti-racists that called Larry Elder, a black man, "the black face of white supremacy". We gave them a great candidate as an alternate during a recall but it their response was essentially "no not that black man"
Same in NYC and Chicago
But do they really? Or is it plausible, so easily fraudulent? At this point, I have to give my fellow members of society the benefit of the doubt, and say the later. Nobody's that stupid to keep voting for this.
False. Massive election fraud in California for at least 20-30 years now.
Most of Cali votes red.
Its all by design, they WANT cars to be totally unaffordable in Cali. Whybare we surprised?
When they want you to stop driving… you’re done…
They talking bout housing insurance I thought.
@@logan7024Auto insurance
I'm in Chicago and ride the bike all year, unless I take the dogs to the vet or go on vacation, then I rent a car or van. As a 66 yo lady, I'm done working on cars as I was done getting ripped off by mechanic's years ago. As far as boy friends botching repair jobs, done there too, and it make for happy relationships. I also have an extra $700/month for dresses and other stuff. If the shtf, the car ain't working anyway. So nice to be done. 😊
@@Barbara-te7xz Just beware of you will own nothing and be happy!
It seems to be a conveyance to you not a need of owning a car but beware of propaganda that helps you decide you are happy with no value a car has or home. / in emergency need off a loan or emergency money that owning a car you could use as collateral on your loan.
That is worth peace of mind, if ever needed it’s in your driveway .
Just something to think about and think about if you were exposed without little helping hand of encouragement of not owning a& or how the extra money would be used towards buying something for your self ? A want or need? Makes a difference
And would they be an item that brings value to your worth or simply junk or brings temporary pleasure satisfaction that last usually as shiny wears off .
I think your decision is the best for you r personal situation just make sure it’s one that values you and your future for the best possible life that is rewarded when you know what your worth is and value of your assets and the benefits of accumulating value if it will decrease or increase over time.
Beware the government or anyone that stresses the importance of useless wants that hold nothing but junk price or a dollar in a garage sale.
Should be more important to you then your own ability to achieve assets that work and grow for you.
Then you will never have to rely on the government deciding if your emergency is worth helping you with. We all know the answer they won’t even blink an eyelash and ask if you own anything of value as collateral on you emergency funds most likely needed the day before. You realize you’re in a pickle. :()
Saw this in Nebraska a couple years ago, was buying a home for 28,000 the insurance was over $1,200 a month while the house payment was $240 a month.
Omg really?
@@thomasgoff4700 Yes after nearly 60 years I was finally able to purchase a home. And I was watching rents skyrocket, being on disability and nearing retirement age with an income of just over $1000 a month I found what I thought would be my home for the rest of my life. Because of the insurance (btw that was the cheapest I could find) I did not buy and instead used my good credit to help a disabed Veteran friend buy a home when he finally got his back pay that was used for down payment.
If you don’t have insurance, you can’t drive .. hasn’t this all worked out for the 15 min city people. /so you make it unsafe and then you come and say I’m going to make it safe for you. Nothing ever happens by accident has nothing to do with climate. It’s just their “vehicle.”
Word salad
You can't drive legally. Lots of uninsured drivers on the road.
No ability to show financial responsibility? SR22?
Seems that we found one of Kamala's writer.......
I guarantee you, 99.99% of illegals who acquire a CDL is driving WITHOUT insurance!!
I love it how Patrick and Vinnie throw some Assyrian lingo in there. 👍👍👍
I can’t believe how stupid our government is here in California…. plain stupid
He’s a domestic terrorist part of the Biden regime. They are taking us down from within.
Nah. Evil. Stop giving them the benefit of the doubt
It's not about stupid, It's about the regulatory state running the hated "corporations" out, so govt. can assume total power. It's a classic methodology of Communist ideology to destroy the middle class. Don't forget how often the Leftists rant against the "rich corporations " The people of Calif. mostly agree with this. now they are reaping the consequences.
"...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔
This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde)
Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)
They aren't stupid...it's part of their plan. They want to make it too expensive for you to own and operate a car. The reasons they give are just cover stories....bogus explanations. They want Californians in stack-and-pack rental units, and totally on public transport.
If you turn in a claim, your rates go up, or even worse - they drop you.
My aunt just had her roof caved in because of something before she bought it, they only gave her 10k after 20 years of paying and the quote was 18k, after they dropped her.
U pay double because illegals are driving drunk in stolen cars with no ins.
Sounds like you're in "Good Hands" who never paid a single Hurricane Sandy Policy Claim in NY or NJ!
Not true. I've had two claims for stolen vehicles and my insurance has not gone up - and they cannot drop me. I've been insured by them for 40 plus years and they cannot drop me from the insurance policies.
I had my catalytic converter stolen off my car (I live in a very safe neighbor), and within the next 3-4 week after my claim, I get a letter saying my rates are going up about 20% and that this is just normal increase due to the times. Never had an accident, ticket, and never had an issue until the catalytic converter was stolen.
PBD! Thank you from Canada!❤ I’m a Canadian who watches your podcast religiously! Thank you for being one of the only podcasts other then Rogan to help expose the corruption going on in Canada, we need to work together USA and Canada and your right, Canada reminds me of California. I’m one of the same type as red shirt guy! And god bless him for keeping his cool, and getting his message out! God bless Canada, and god bless the USA! There’s more of us here that feel the way you do about things and all our voices need to be heard! Thank you PBD! Much love and god bless! Continue to expose the corruption, and please continue to lend a friendly ear to your mostly awesome neighbours to the north!🤙❤
Every time PBD said, "Can you imagine..." Living here as a homeowner in CA, it's so much worse than described. Left out the fire fallout on insurance companies, I was dealing with policy cancelations every 3-6 months for 3 years as they were doing blanket zip code bans.
I'm a caterer, I've been doing it full time for 2 and 1/2 years since I retired. Food costs have doubled since I started and it's absolutely killing me. The last thing I want to do is shrink my portions and or raise my prices.
The only exposure to food service I care for is the production side and trying to keep input costs at or near zero. I keep a massive garden and some chickens😊
The stores are doing it as we text makeing.packages of food smaller for higher MONEY!
Half of Mexi-fornia drives are driving without a license or Insurance!!!
Californians shouldn't be considered human.
I’m certain it’s more than half
I am one of those CA home owners who got canceled after decades of coverage with AAA, never a claim.
It's probably because your house is close to fire zones.
I live in CA. We pay over $2600 a year for 2 vehicles. My Caddy has full coverage. I was in an accident and I paid $1000.00 deductible while the insurance company paid $15,000.00! I can understand why they want to leave!
I was born and raised in California. My entire family is here. My wife and I make a good living. 300k a year and I’m still getting squeezed. I don’t know what to do. I’m getting taxed to death, nickel and dimmed to death and I just don’t know what to do. My home owners insurance went up 35% this year and for what. I live in a tiny condo in Santa Monica. My parents are getting killed by insurance. I’m telling you, as soon as I retire in a year, I’m not just leaving the state, I’m leaving the country. I’m going to Mexico so I can have some control in my life. Healthcare is ridiculous here everything is worse here. The American dream is officially over. I’m sorry.
My wife and I used to live in SaMo. We sold our Townhouse in 2022 due to all the crazy people and increasing expenses in CA, LA and West coast. We are living very comfortably now but do miss the weather. We might move to Japan or Europe in the future, things are getting too crazy in the USA.
Move? lol
There's nothing to miss about the weather. It's practically the same year round. There are no seasons and it's boring honestly. Heaven forbid if it's a little uncomfortable for part of the year.
@@John-du2mq I guess you've never been in 110+ for two months straight like we experienced last year. This year has been cooler thank god.
Same
Our DOI and Insurance Commissioner here in CA are the absolute worst !!
Commies
Patrick, and crew, as a Canadian I can tell you that there is wide-spread confusion in our country as to how the current prime minister is still the prime minister. He is a politician, Zero business acumen, zero financial accountability. If I don't hire a smart and awake accountant to take advantage of every tax loophole available, I would end up no better off than people working for me. BTW, healthcare up here isn't free, we pay for it with taxes on this and taxes on that!
Only people getting ahead here in BC are drug dealers and donors to NDP. Pathetic
He is also Fidel Castros son
Trudeau sucks!
I work for a roofing contractor and almost every day I hear someone say their insurance carrier told them they will drop their coverage if they don't put a new roof on their building within 30 days...our schedule is 2 to 3 months out
Too expensive for me. I won't renew mine. Drive carefully and keep off roads when inclement
Can't register your vehicle in California if you don't have insurance.
@@fastfreeksfuck registration
I’m in Cali, practice real estate and have family members that this “fair plan” directly effects…we are told that the insurance problem is a nation wide problem, not just exclusive to CA residents…my question is:
Will it ever go back? These cost of living increases are out of control!
Economic studies have shown/proven that an average of .53 cents of every dollar of price increase is pure corporate profit padding aka greed aka as Kroger's CEO admitted 'Price Gouging', which is not illegal under federal law. It will end when congress gets off their arse and passes a bill to make price gouging illegal. Also, enforcing laws like those in the the Sherman Anti-Trust Act and the Clayton Antitrust Act would help a lot, but that requires electing congressional politicians who will close the revolving door between agencies like the FTC and the companies their supposed to over see/'regulate'
California business owner. My first employee moves to Tyler Texas for my expansion. These insurance rates are killing me.
"...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔
This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde)
Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? )
Welcome to the 903! ⭐️Never surrender ⭐️ Come And Take It ⭐️
totally screwed up: I am 78 yrs. old; have driven since I was 16 yrs. old; not one accident; not one major claim; not a ticket in 30 yrs. and my car insurance went up 110%....terrible....luckily I have a non expensive car
If they give you a drivers test at 78 and you pass, insurance should be the same. Welcome to age discrimination. It is real, and I'm sorry this is happening to you. Your 78 years young.
I'm a senior in high school but when I look at the baby boomer generation such as yourself, yall grew up brainwashed into thinking the government is there for you and the government can be trusted. But what do you know decades later the government steals your guys money(social security) and never pays it back in full and yall are left with 2000 dollars per month before bills. The only reason my grand parents are okay is because Texas gives property tax exemptions to veterans(That being my Grandpa). I'm not throwing shade at you I just think yall were greatly wronged straight from birth and I hope your insurance goes down 110% is absurd. Heck I think the 30% interest for credit cards is ridiculous.
My family built a home about 10 minutes outside of town, permits took 18 months...18 months for a single family residence. At the end of it all, we applied for homeowners insurance we were required to get fire insurance as well... We were denied by every provider. After emails to city officials, insurance carriers, etc we were directed to the FAIR act. They quoted us 7000/year for fire insurance...more than our property tax...We are stuck because the bank requires it but we can't afford it. we even submitted paperwork for all the fire upgrades in our home which were required by law...they promised to lower our premium after reviewing it all....Our premium went UP. Also power rates have more than doubled since we started construction. After forcing us to get solar, we now still have a power bill HIGHER than before we moved from our last home with no solar, but have thousands less dollars to pay for it. PGE has a power monopoly soooo no other options. THIS SHIT IS CRIMINAL. But thank God when Kamala gets in office she will straighten out this mess! lol
As an architect, I cannot begin to explain how stupid the permitting process is in our state.
@@Carlos559Caps haha it was extremely eye-opening. Like, DMV can’t hold a candle to county permitting office
You sound like you’re in butte county
@@beardfootofficial Too many cooks!
Leave.
They want cars to be a privilege not a necessity
Nah they just want to squeeze every cent out of car owners because they are an easy target and never fight back.
We are required to have insurance in California but if we can’t afford insurance it effects our ability to earn money at our jobs we commute to and travel and others will just drive illegally and then get buried in fines and fees and then can’t hold down their job or go to jail because they can’t pay their fines. Does this create a new wave of people who will now have misdemeanors and felonies? Because bet on it, people are going to find a way to feed their families.
Well, stop voting for the democrats. Change your local government!
Re:misdemeanors and eventual felonies. Good reason for the government to restrict your constitutional rights. Reducing the number of people who can exercise your second.
Can confirm. I’m in SoCal and this year my auto insurance went from 1,200 to over 1,700 for the 3,000 miles I drive a year. My condo insurance went from 635 to 2,200. Thanks Bidenomics!
Many say it's because Californians vote blue no matter who, when the truth is, no matter who you vote for your vote will count as blue.
so you believe the election was stolen?? when tHrump was president, was your life perfect? Did he get you a better Healthcare Plan---I'll WAIT???
I've been telling my parents that for months now, trump could get 500 million votes (obviously that's impossible but I'm using it as an example) the dems would say "every vote counts" even if it's illegal votes or just fake ballots. This happens until they're just a handful of "votes" ahead. That's how biden got in, pelosi was in Miami receiving truck loads of mail in ballots well after the deadline but that bitch kept it up.
Flat earth 😂
@@TheMinor7th: NPC.
@@MrCenturion13 fake fake elections are so 2020
8 million illegals driving around with no insurance in cali also--btw every 10% raise in insurance rates causes a %% in legal folks who quit paying for it--so in a few months 25% more folks that were legal wont pay for it.
I'm getting to that, my rates went up my coverage went down and I still have to eat...
Yup, CA only incentivises criminal behavior
Geico leaving California should tell you how bad this is. It's literally a government business. The government doesn't even wanna stay there. Ridiculous
The jump isn’t due to “increasing claims, storm damages, costly repairs” and everything else these guys talked about. The jump in auto insurance is because they are raising the minimum liability limits substantially which means carriers and reinsurers are going to have to pay out way more for “injuries” and other damages. You’re going to see a massive increase in billboard injury attorneys across CA.
Geico is a private corporation and subsidiary of Berkshire Hathaway Inc. which is owned by Warren Buffet.
Yes but the majority of Buffet's companies do get locked in with government connection. That's one reason Warren's investments are safe
I work for an insurance company in CA and we are pretty much the only game in town at the moment. Every other call we get is about why rates went up. My heart squeezes just a little extra for those on a fixed income. They're already at state minimums and maybe have liability only on their cars, and still can't afford the insurance. It breaks my heart.
Imagine being a California citizen and trying to tell other citizens and statehoods how to do things. 😂😂😂😂😂😂😂
It used to be, as does California so does the country. But they went off a ledge with the ideology and now the entire state is a cesspool.
Californians aren't Americans. They are enemies of the country.
@@yungceizeand the explains the state of the country in some part as well
There's gonna be a bunch of uninsured drivers in California now you watch.
There already are it's a trap you can't win
The DEM politicians goal is to have the State be the single-point insurer for all insurance.
Uninsured AND unlicensed.
Already ARE
Here where I live in California almost all of my favorite mom and pop restaurants have closed. Some locations have reopened for a short time with new owners but eventually have closed again. One building has had four businesses come and go in just the last couple of years. The business environment has become so bad here in California I just can't imagine why anyone would want to start a business.
I got laid off from my good STEM job April 2023. The only job I could find was Temp which means you have zero health benefits, vacation, sick time etc. I had to accept wages I haven't made since 2004. I am highly skilled with excellent references. There is a hidden recession going on.
I moved Wisconsin two years ago from Napa California. When I got car insurance it was almost $1000 cheaper. I was shocked and I asked why and he said because car theft are way lower here.
That's because most cars rust out in a decade or less and 1/3rd of the year everything is frozen. 😂
from beautiful Napa to Wisconsin----like going from Heaven to Hell I live in NorCal...Valley near Sac...
It’s happening in CT too.. a Democrat state.
My coworker had to file a claim for his roof. The max claim allowed was 20k. Total cost was 49k. They approved and paid for the claim and immediately cancelled his insurance right after. Now, the cheapest quote he got was 14k/year increasing his total mortgage from 1800 to 3100/mo.
During the same week, my grandparents in laws insurance is being cancelled because the repair they needed for their home “wasn’t don’t up to spec”.
Absolutely insane and totally not a coincidence… 🙄
Biden Harris regime will destroy the entire USA.
Vote Blue
Should have called me. My roofer in CT is the man and has done 10 or so roofs for me. Great guy out of western CT
I can blame a lot on democrat socialists but this insurance BS isn't one of them. Insurance companies are rap1ng us all. My brother who works for Progressive just got a @20% annual bonus of $29K. Despite what you hear, they are raking in the $$$.
@user….. Dude, that’s the whole problem.
Californians will still try to blame trump.. 😂🤦♂️
tRump did nothing but tweet, write love letters to Kim Yung--play golf, eat MacDonalds, let many hundreds of thousands die from Covid!!! Krazy man--too lazy to even read daily briefings--his son in Law did it for him! Go away Maga forever!!
I work as an underwriter for a carrier that was planning to go into CA, but have since backed out. On top of the Fair act, it's the fact that California has a lot of stupid tertiary policies that cause the increase including environmental policies and crime prosecutions. When Smash and grabs are allowed with no deterrent, Theft has gone through the roof not to mention the constant level of repairs. And everyone but environmental activists seem to understand that the lack of underbrush clearing is increasing Fire severity (one of the reasons we ask people to trim their yards and trees)
I’m affected by a huge increase in monthly payments due to being forced onto the California Fair Plan. I’ve lost neighbors who leave because of this. I love where I live and my community but my future is uncertain and my community is being torn apart due to this insurance issue and there is nothing being done. Thousands are in the same position as me.
I work for State Farm, in the Subrogation department, and I'm going to thoroughly explain why auto insurance in California is so expensive.
1) California has many uninsured drivers
2) California's body shop hourly rates are the highest in the US, thus making the repairs more expensive.
3) Auto accidents in California are higher than most states, more accidents, means more repairs, which means higher premiums
4) California is near the top in auto thefts (Comprehensive claims)
5) California has a Pure Comparative Liability Negligence Standard. This means, an insurance company is allowed to recover up to 100% of their damages, from the at fault parties insurance company. For example, let's say Karen runs a red light and hits Bobby. But Bobby admits to being distracted and not seeing Karen, as Karen ran the red light. Karen's insurance company could file Subrogation against Bobby's insurance to collect up to 100% of their repairs, and vice versa for Bobby's insurance. Let's say those insurance companies disagree on who's at fault and they go to Arbitration. Let's say the Arbitraror places 90% fault on Karen and 10% fault on Bobby, well Bobby's insurance pays 10% of Karens property damages and Karen's insurance pays 90% of Bobby's property damages!
Most states are Not Greater Than States, which means if you're 51% or more at fault, then you can't recover anything from the other driver's insurance company. Some states bar recovery at 1%, which is awesome haha. So in California, insurance companies pay out more, because the bar is so low to prove negligence.
6) the cost of doing business is extremely high in California. Body parts, labor rates, installation, tows, storage costs, etc all costs more in good ole California.
Hope this helps.
Thanks.
yep...pretty much explains it.
So basically mostly due to democrat policies
@@crbalch1 no, these issues were there with Arnold, but there are far more accidents nowadays though.
@@chriskey7440 you know Arnold wasn't really a Republican right? He's one of those Mitch Mc Connell Romney Republicans
It's electric cars too, very costly to repair or replace.
I paid 40 a month under Trump, I pay 76.90 and was 79.
Born and raised in Sacramento, CA….it’s insane! Yes, the insurance companies keep poking us! People can’t get insurance on their houses in these” high risk fire” areas . Now these insurance companies that are still here doing business they are saying all of CA is at risk. People of California have tried to recall Newsome 2x just can’t touch the guy!
Move.
@@Clemfandang0 Or don't be a defeatist and stay/vote. Things are getting worse before they get better, but CA is showing large increases in people registering as republicans.
Too many vote blue no matter who folks.
@@Carlos559Caps Kevin Kiley is a repub US rep in 3rd district of CA. Socal (Orange County for example) is full of red voters.
I agree the Bay Area is full of these types. I'm sure Hollywood is the same.
@@Larry_Hegs I’m personally never a defeatist. Been voting Red all the way down the ticket since 1980. If you look at a map of how people vote in California the rural areas are mostly Republican…it’s the big cities such as Sacramento, LA, SF and the west coast along the ocean they always vote Democrat. The big cities employ tons of Government workers and just people in general getting their government goodies so I guess they will always vote blue. Very frustrating.
Thank you PBD for caring about Canada, especially what that man said to Trudeau. I watch all your content because I care about American issues too, thank you for more exposure of our issues!
In 1 year, my insurance went up from 275ish to 445ish. Just under double. I'm in CA. 3 cars full coverage
3 cars full coverage for $455 a month is not much. Tha t equates to $151 each car. I pay just $25 under that for a used car 2012. What ins do you have?
If you are paying 450 full insurance for 3 cars, I wouldn't be crying, I pay 260 for one car. I dropped full to liability on my truck for 120. My other car has garage insurance for 60. I'm in louisiana. Car and house insurance is scandal don't care what Patrick says. Pay insurance on my house 15 years never used it. Big tree branches messed up my front of roof during a bad rain. They said it was act of nature and God they wasn't paying for it.
@@kwd1253Exactly! What are they whining about lol?! Thats a great deal.
We had a “Mom and Pop” vacation rental. It was full every day. The Hawaii State Government put restrictions on us saying we Must rent for 30 days or more. So here we are as homeowners, we can’t rent by the week but only by the month. All of us that have been doing this for over 20 years, many of us now widows , have lost much of our income because most people can not vacation for a month.
It’s all about government control.
The Steel Worker is a bad ass.!!
All respect to you bossman.!!
My home insurance has gone fro $1500 to $10,700 in the last few years. My car insurance just jumped over a $100 a month. My health insurance just went up $800 a month. I’m a freaking teacher. How do I afford my house anymore…. Plus, no one will buy my house with rates so high. Free market our insurance so we can afford this state again.
With this economy middle class is getting it the worst. Poor people get alot of government assistance for all kinds of stuff. Rich people can handle it and middle class is making just enough to survive but thet don't qualify for majority of government assistance so we are feeling it the hardest.
Do you live in a high fire hazard area? I do.. my rates gone up about 240% in 4 yrs.
$85 every 6 months on basic insurance for my ‘99 Tacoma in Alabama. I have 65 cutlass full coverage at $143 a year. A camper full coverage right at $100 a year. 2004 F-150 at $140 2x a year basic.
1) move out of Cali
2) stop wasting money on cars and insurance.
I pay 160$/ month on a 16 year old salvage title prius worth like 4 grand and its LIABILITY not full coverage. My last accident was 6 or 7 years ago.
Tell me how the fuck that makes any sense
Auto insurance prices are based on your credit score. If your score is bad, do what you can to improve it. After you get credit score stable, get insurance quotes from 3-4 reputable companies. Other factors include your age, married or single, college student etc. ask your agent what can you do to lower costs. I added a renters policy to my home, it lowered my auto, and it was like getting renters policy free, simply because I now have multiple policies
I quit driving a few years back and rent cars here and there. There is a space reserved in my garage in case a 68 cutlass or gto turns up on my driveway.
If that cutlass you have is in good shape you really should spend the money on stated value, unless you flat bed it to car shows. Those classics are magnets for uninsured aholes, and key jobs 😢
@@Barbara-te7xz there’s a 68-70 Lemans nearby in dark green for $18,000, body looks good but seems high to me.
My 65 was bought by my parents new, have pic of mom pregnant in front of car. Black and white pic, mom with bee hive hairdo
@@davesrvchannel4717 take care of that cutlass if it's been in the family, and hopefully one of your kids will also appreciate it.
We moved from Ramona, Ca. (just outside San Diego) to Filer, Idaho. Our home owners insurance went from $2600/yr to $670/yr for a house that was twice as large on the same lot size.
The governor of Cali wants to be 1 of the riches men in the world. Think about it, why is he investing in other business ventures while he already has a commitment to do a job for the people as a governor. Governor is using his power to enrich himself and is corrupt AF. It only takes Common sense to see this.
He's a Chinese puppet
Hate to tell you it's happening in every state the libs are trying that in Idaho but they got a fight on there hands there because the residents show up to city meetings they don't in the bay area California I lived there and nobody shows for city meetings.period.
Probably learned it from Nancy
Gavin Newsome’s net worth is 20 million.
By comparison, Betsy DeVos is worth 1.25 billion.
Donald Trump is worth 7.5 billion.
Newsome has a very long way to go to be the richest politician.
Auto insurance was out of hand. In the 90s the fixed it by allowing customers to buy insurance from out of state carriers.
Here we go again.
So I lived in Bahrain when I was in the Navy. Their insurance was simple. You paid like $300 a year for insurance and there was a sticker on your car windshield that was a color for that year. When you get in an accident, your insurance only covers your car.
Those stats are definitely skewed because of the amount of illegal immigrants getting insurance after getting their license this year, with no driving experience and most likely are charged as much as 18 year olds. I live in Massachusetts and 128.000 immigrants got driver's licenses this year, California is probably 5x that. Massachusetts also controls the car insurance and it cost 4x more than people in New Hampshire who don't restrict certain insurance. I'm against both crutches on insurance in our states but I'm surprised nobody mentioned that. Also soon all the illegals buying houses with zero down and $150k government money. So soon your home insurance will go through the roof.
California will need a Federal bail out like NYC.
Ahh the point of the story-to you average Mass-hole:
STAY OUT OF NEW HAMPSHIRE!!!! 😡
Oh, waay more than 5x's.
And In NJ the rates from State Farm, just rose 20%.....and We haven't had anything, speeding tickets, accidents or even anything wrong go on with our home, for the 20 years we've been with them.....
My rate was $1300 for 6 months. Now it’s $2600 months in Georgia. My last insurance dropped me because I used 2 road service this year.
Your first mistake is looking at this situation or any situation in California as blind unintentional and accidental. It absolutely is intentional. The government wants to get rid of private insurance agencies so that it can come in and save the day by offering subsidized government insurance at a very high premium! How else is the state going to pay for its deficit!
Aka they want us to be dependent like dogs. 🐶
I was with Esurance (Allstate) for 12 years, they pulled out of Cali a couple months ago, I had to switch to another company.
New Jersey did this too!!! Horrible. Car insurance monthly is higher than a monthly car payment. Now these insurance do not have to have you on as a customer. If my car transmission is out for more than a month I have to keep it on insurance even though its sitting on my driveway. Ridiculous.
Exact same thing is happening in Minnesota we are next !
Another Commie State
And you can thank the commie Timpon Walz.
I have never gotten a ticket in my life and drive under 10,000 miles a year. No accidents nothing. I'm paying more than I have ever paid in my life. Even my mom who probably hasn't even put 10,000 miles on her car in several years is paying more than ever.
@@zariaeda007 Yep! It's going to go up in every state! I moved from NC to FL last year and when I renewed my policy with USAA, my 6 month premium for two cars went from $1,300 to $3,600 with zero accidents or infractions!
My monthly payment went from $220 to $600...
Similar thing is happening in Florida with homeowners insurance. People are being priced out of the market.
I live in San Diego and am planning on leaving next year. I am sure that auto insurance is going up due to all the non-insured drivers here. The home insurance fiasco is BS. CA put a cap on what insurance companies can charge, but made it to where insurers left and now you have to use the State Home Insurance program which charges more than what you were paying (so the cost increase to homeowners shouldn't matter) and add to that the program is being sued because they aren't paying out. I don't blame insurance companies for leaving, with all the crime and CA not doing anything to lessen the fire damage because of it's eco policies it's not even about them making a profit, they are probably paying out more then what they are getting. It's bad here and the people that don't agree with that are either well off or benefiting from govt assistance.
Please don't try to change a red state into blue.
@@glfxfa5452 you shouldn't assume that everyone that lives in CA is a liberal because we are not.
non-insured drivers and all the break ins, windows smashed, store looted we all have to pay for their MESS.
Something has to be done . Few of my friends in Arizona , they no longer carry any insurance . Food on the table is priority