My Insurance Went Up To $600 a Month! (I'm A Single Mom and Struggling)
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- Опубликовано: 2 окт 2024
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She needs another insurance company! I was point-free, "perfect record" for 10 years, and paying over $2k/yr. for insurance from one of the biggest companies. Long story short, I did some checking and found a smaller company (which does not advertise) and got better insurance coverage for less than half of what I was paying.
Shop around, because those big companies are ridiculous.
I just went on the Dave Ramsey site back in October and found the investment pros. They hooked me up with insurance a lot cheaper than what I was paying for my car insurance. But I had a pretty much nearly perfect record as well and I'm over the age of 30 so that helps as well. If you got a ton of points and a good luck cuz it's going to be expensive.
Longer with an insurance company the fewer discounts and price advantages they give new policies. Doesn't make much sense but they are in the new policy business not retention business.
She has points on her record. Mistakes cost you even on car insurance.
@@Chele-nm4qx Exactly. When you've had multiple accidents or moving violations (and that's what the caller implied), it can very well cost more to switch insurers.
@@BrianW211 Agreed!!!
Some of these comments are so asinine. Just because someone is a single mother doesn’t mean they have never been married. My mom was a single mom. It’s called D I V O R CE. My college roommate was raised by a single dad. It’s called D E A T H..
Over 50% of single moms have never been married. So it more likely they are right than you are right.
@@seminolekillahow are they more likely to be Right when it's 50% learn from Dave and do simply math 😂
@@Solomonmcdannel how bout you learn to read. OVER 50% means more single moms have never been married.
Such a valid observation: "she doesn't have anyone around telling her she can do this." Sometimes that's all it takes...someone believing in you. 👍
It’s always the small things that get you through
"You can't blame your way to a better life." Love that quote, love that quote!
When you're a bad driver and your job is driving, a career change is necessary. The insurance hike is a wake-up call.
tbf I heard those that drive for a living (mostly trucks) are bound/inclined to get more violations, it's just statistics
@@davidtrak2679 I suppose the more you drive the likelihood increases that you get citations, accidents, etc. However, if you are a good driver, that shouldn't increase the probability of it that much. If anything, the fact that driving is the person's livelihood would/should make them a more cautious driver.
@@1981lashlarue Yeah, but not in reality. Could be you just become a more aggressive one
@@davidtrak2679 If you drive for a living, your skills improve and you need to learn how to become a better driver. A good truck driver rarely gets tickets. And then if you get one, you go to court (possibly spending the money for ticket clinic services), do the driving school thing, and get it lowered. The statistics are that if I get a ticket or two, I need to change my driving habits.
@@davidtrak2679 That would be a choice and in that case you shouldn't be on the road.
I’m a UPS driver, we are represented by the largest Union in America. Teamsters. If anyone is ever struggling with insurance and coverage for their family come get a job here. The union has negotiated coverage/full ride benefits for the employee and all its dependents at no cost for us. 0. The best health benefits around, given to you and your family at your 9th month. Good luck guys.
Sadly, so few workers in America are represented by unions.
And y’all still whine about everything.
@@seminolekilla 😆 yes we do
I’m UAW. Some college(never used) and the union changed my life. 90k a year and my insurance costs me nothing.
All the 57 year old Uber drivers are scratching their heads right now.
LOL!!!!! 🤦♀🤦♀🤦♀🤦♀
Uber as I side hustle or just a hobby it's acceptable at any age. As long as as you can safely drive of course.
@@nugsin4 Exactly. People use this and doordash as a career. It's not. You can't live off of that. They don't want to switch jobs because uber and doordash are work when you want. These people don't want to clock in at a location where they have to show up and be there.
@@neisci
I use Uber to and from the airport mostly.
Seems to be a very satisfying source of additional income for the drivers where I live. One driver even used the word “relaxing”.
Very pleasant people to talk to.
I didn't know Uber driving pays enough to live on.
"it would make more sense for me to get a real job" ... I burst out laughing
27 with 2 kids. Ya think?
Yes a real job
Here is the systemic:
Hope breeds hope
Fear breeds fear.
So a system of fear breeds more fear and paralyzes.
A system of hope breeds hope and gives someone a chance to do something.
Remember that when you decide which to put in your heart.
Breed*
But yes
The bigger issue is how someone in her situation even gets a car loan
Buy here pay here. A reputable lender probably would not have made the loan.
How did she get so many points on her driving record?
It is an evil industry.
Perfect for whoever gave her the loan they know she would struggle she pays abit for the car then repo
Being a looser is so easy. Winning takes effort
Better than tighter!
It’s LOSER , but good comment😊
Ramsey team needs to do a talk on how this generation thinks Uber, Food delivery and Instacart are actual jobs/careers and not side hustles to compliment your full time job
It depends on the area but they can be full time jobs... Do you think Taxi drivers are not full time jobs and/or careers?
I live in Australia and my husband does Uber Friday and Saturday nights only cos he works full time Monday to Friday..he can cleared 4000 per month easily doing Uber two nights per week..
@@TheFlyingZuluIt's harder to become a taxi driver than an Uber driver, and taxis generally get paid more.
Yes they are good side jobs but not real jobs at all
My friend makes 75,000 a year doing only uber
"You are more limited by your own mindset" has to be one of the wisest things I've ever heard
Racism, sexism, agism...
Millions of people blame their failures on stuff like that, but many people in those groups succeed by good character, good attitude, smart decisions, and hard work. Proving that those issues -- while real -- are not a valid excuse for lifelong failure.
Life is 10% what happens to you, and 90% how you respond to it.
This has hit home for me so hard. I grew up poor with teen parents and no guidance. Life has been a struggle and others don't get why I penny pinch but I have nobody who has my back. I raised 3 kids without help and I have bought a house by myself am debt free and have an 840 credit score and I only make 36k. I wish I had someone to guide me to how I could have a career and not just a job. Even so I am proud of how far I have come but it comes with great stress not making enough to thrive but only survive.
Wow.....i admire you 😊❤
You are awesome and inspiring…. AWESOME JOB🎉🎉🎉🎉🎉
Build the nest and then hatch the chicks.
Not complicated
Amazing how 50% of Dave callers are getting ripped off by one industry. So many people would benefit by switching to a bike, no payments needed!
Shhhh. Don't let the bike industry hear you say that or they may start selling fancy bikes on a payment plan...
@@edwardrhoads7283 they do already
It's hard to haul 2 kid's around on a bike.
if i were to buy a bike it would take me two hours to get to walmart that’s 12 minutes away by car. not that many people benefit lol
She can’t take two children to doctor appointments, supermarkets or wherever on a bicycle. 😂
What the heck she have on your license should’ve been one of the question. DUI’s, reckless driving what? I’m nosey, I want to know it all.
LOL I was wondering the same thing, and I'm sure most others were, too! What the heck did she do? I wish they'd asked.
For her insurance to be at $600 a month, there has got to be some crazy stuff on her record.
Drunken "girls nights out" maybe. She was giving me Maury You're not the father one night stand vibes.
I was quoted $1000 a month for a 2023 kia forte and im 21 with no tickets and a 3 month lapse in insurance
@McGill the lapse & age is enough to get a quote like that. Your best bet is driving a used car under liability until age 25
Ughhh lol I hate when people say "real job" its disrespectful to people who work hard doing such things people think are side hustles...Any job that pays your bills is a real job otherwise you wouldn't waste your time doing it...
Yes, they aren't paying me in Monopoly money for all these gig jobs I'm doing lol
Her vocabulary is probably not that big and she meant "a conventional 9-5 job"
$600 a month insurance = it's cheaper for her to take Uber than for her to be an Uber driver.
I pay $394 for the year for auto insurance. I drive a 16 year old Buick. I have the state minimum insurance. I have been doing this for 25 years. Don't over insure.
Ok if you don't have alot of money and a good driver I guess. Working in the auto insurance industry...I seen that backfire on people sometimes.
Hope your putting away money to replace it if something happens
If you have an auto loan, you have to carry full insurance.
yep! I pay $450 per year for insurance on my 2005 Ford - I've owned it for 16 years.
Because your 16 year old Buick is only worth a bag of beans. You probably pay liability for a car that old
I've Uber'd for years on and off. Nice to have as a side hustle, but not a career. I just don't get when I meet other drivers that complain about the pay, but then admit they rather not to anything else because it's convenient. It's like putting yourself in a cage but blaming the manufacturer.
When my parents were getting a divorce my mom took me ro live in another state to start fresh. She didn’t have a lot of money or a vehicle and took multiple buses to drop me off at preschool and go back and forth to work. Fortunately it was a larger city so the mass transportation was better than other places. Then she saved up and bought a car. She went back to school and found a career she loved. I really admire my mom for not giving up and teaching me to believe in myself. She inspires me by what she accomplished as a single mom. You can do it too. ❤
Today's idiots just go to a dealership and get a new car with a loan at 22%. They put zero effort into finding out how to be SMART about getting a car.
Dave's face when he hears her $600 insurance XD
Yeah. Horrible driver, and the INS goes up alot when vehicle is used for business purposes.
Your mindset is more limiting than anything systemic. Absolutely 💯 👏👏👏👏👏
Dave + Jade = Tier 1 unit of the company. I'm so glad he got to work with her at the end.
Pay your insurance, you're leaching off welfare getting plenty of freebies, smh.
Bad driver of course your going to hike up your insurance.
Get a scooter or somethin like that or use public transportation.
Jeez, maybe you should be a safer driver. How the heck do you get five points on your record??
Also, this shows how critical it is to look after the "widows and orphans" among us (which includes the single parents and their children).
Bring a single mom does not mean they are a widow.
Thank you for encouraging and empowering folks to change their life. Too many discouraging voices on the ‘net.
My flood insurance went up to 6000 a year and home insurance up to 3500 a year .This happened after hurricane Ian . But since we are retired and have a fIxed income . We are looking to sell in a couple years and move to a non flood zone.
This is the problem in America. She lives off the government but can drive a car with $450 a month payment.
27 married to the government and has bad driving record and budgeting skills.
She need some Kevin Samuels not Dave Ramsey,im sorry.
idk how Dave managed to find this woman "inspiring." I live in Atlanta, this is an everyday story.
Who is this lady next to Dave? I like her, hope they have her on more often.
She’s compassionate and empathic. Spoke to the problem itself but didn’t talk down to the lady. She acknowledged the hardship she faces with all the -isms AND let her know she can still do something about helping herself. Then before Dave even said he’d send stuff too, she offered to send one of the books to help her out. Such kindness
This is what people need. They’re calling in for help and vulnerably sharing where they’re at and their own past/current mistakes. Glad she got the help she needed
Her name is Jade Warshaw.
She's the new Ramsey personality who paid off half a million dollars in debt
Jade Warshaw she’s flippin the bomb ❤❤q
She always dressed so cool❤😎
She sounds Motherly advice .Like a big sister ❤️
She's not telling us everything. You can't get a $600 insurance bill without someone serious that happened.
No my insurance quote is 1000 a month and im 21 with no tickets and all i have is a lapse of insurance
@@mcgill2391 What vehicle are you driving? You're 21 so insurance will be higher.
I heard her say, I think, that she had a lot of points on her license. She may have a lot of different violations and deamed high risk to insure. It doesn't take much to turn the insurance company against you. They don't make money by helping you.
Same with me. I have to pay $500 a month now on insurance 😓. It went from $300 too $500. Clean record no issues and I’m about to turn 23. Insurance excuse is “Inflation”. Disappointing insurance can get away with this.
@@yaboirolly That's awful. They will honestly use any reason to increase the rate. I hope you find a way out of that soon and best of luck!
If you’re not able to financially take care of yourself, you won’t be able to take care of a kid. Don’t have children if you can’t afford them.
She couldn’t help it. Keeping her legs closed, or at least being a responsible adult, was just not an option.
No sht Sherlock. Clearly she can’t back track the kids. I’m sure many people aren’t having kids thinking “oh I won’t be able to provide”
Things happen. Maybe she was married when she had the kids.
@@lauvasquez7198 And picked a bad partner to have kids with, ended up divorced, so now that’s our problem and responsibility to pay her AND the kid’s way? You won’t get much support with that.
@@brandon18054 did I miss where we are paying for her bad choices?
“I realized I had points on my license”. How is this news? How did you not know that you were getting points?
I love Jade's style! She is her own personality :) Huge fan of their dynamic. Best combo, for sure.
And she is gorgeous ☺️
@@waterheaterservices beat me to it
She dresses so cool😎🩷
If you were dating this woman, Dave would ask “when y’all getting married?” 😂🤣
This was an inspiring message. I really appreciate Dave and his team. I really do.
Always switch car insurance every 2-3 years don't be loyal to any car insurance they are all the same.
On 30 seconds in. But red flags already. Even a DUI won't cause insurance to get that high from what I've seen.
You'd be surprised. Too many insurance claims for miscellaneous damages & tows within a year can sky rocket your insurance.
She couldnt drive for Uber if she had a DUI.
I pay $450 per year for insurance on my 2005 Ford - I've owned it for 16 years. On the books it's probably worth $2000 but runs well and no damage. I was raised in a single parent family; me mom brother - and we rode the public bus everywhere; no wheels in our family until I bought a 'junker' toyota at 17!!
You don't live in Boston. In cities it's at least a thousand
The price varies depending on where you live. I moved to another state and my company raised my rates. Same 12 year old vehicle.
You obviously don’t live in New Jersey. $2300/ year here with perfect driving record.
@@joycewright5386Nope! I'm in Alberta. If I didn;t have the group discount I'd probably pay about a $800-1000 per year
I live in a major city in Germany and pay 170€ a year … 32 years without an accident 🤷🏻♂️
Sounds like she is a bad driver. 5 points is huge IMHO.
She either needs to start doing some insurane company searching or start riding a bike.
Insurance should never cost more than the car payment.
"you are more limited by your own mindset than anything systemic" *chef's kiss*
You are limited by your own mind set. Those words speak volumes..
Has she shopped around for a better price on car insurance? When our insurance goes up, we always shop around and find a much better rate. There are always cheaper rates you can find by making just a few phone calls. ❤
Preach on Dave! All my siblings are their own worse enemies! Their mindset has always been I can't do that because....I have always used those people to be my inspiration! My comment to them has always been watch me!
"Im a single mom blah blah blah...." yeah cry me a river
The Puerto Rican lady is so true, my people are like that. I’m Puerto Rican, I have never bought a new car, I follow Ramsey’s philosophy and we are living our dream!
What Puerto Rican lady? Jade isn't Puerto Rican
@@musicpro7278 the lady Dave talked about who was Puerto Rican and approached him at a conference, did you watch the whole video? Of course Jade is not Puerto Rican
@ldv02 my bad I have a headache can't really focus on the video
@@musicpro7278 hope you feel better! Have a blessed night!
Only terrible drivers get penalize with crazy rates by the insurance companies,if you drive for living this situacion can be very stressful, 9 years driving for lyft and uber,35k rides in miami,0 accidents,no points on my license but you have to be a very good driver..!
Love this episode. The conversation after the caller was priceless! 😂😂
Hiw do you not know about 5 points on your license?
UBER is her JOB?!?!?! YES get a REAL JOB. BEHOLD the results of the welfare state and breakdown of the family.
How is Uber not a real job?
@@michaelhutchings6602 are u kidding me?
@@michaelhutchings6602 It's more of a side hustle than it is a job.
@@vickieclark5931 Yeah it’s more profitable to do Uber as a side hustle. Ridesharing can tear a car down quickly.
@@handleyobusiness Not if you're strategic
Dang a 17 minute Ramsey question.
1050 a month between car payment and insurance. Yikes. And keep aware of your tickets and points.
My car lease and car insurance is almost $930 :(
One of your best episodes yet! Their great personalities are dynamic together 🤩🤩
Her and George are my two favorites right now 👍
I thought this was going to be about health insurance because yes it is that expensive. Car insurance shouldn't be that much.
Health insurance isn't expensive if you don't have any. I haven't had health insurance for over 14 years. You are a sucker if you are single and have health insurance.
Girlfriend has a DUI / DWI or some other issue. Ain't NOBODY paying $600 / month unless they have an expensive Mercedes car and she's living in Section-8 housing too?
She's driving for a living and putting strangers in the car all day
@@georgewagner7787 Even then, it's NOT going to cost $600 per month. My friend drives for Uber / Lyft.
My friend’s got a reckless driving ticket and the insurance for them was insane for a few years after.
For all those asking if she had to do serious things to get those points that’s not necessarily true. Each state assigns points at different levels, she could have received two or three minor violations within two years. Also she’s in subsidized housing which means that area is probably redlined so insurance was already higher than normal for that area so you add her age and these points yeah that insurance skyrockets.
Everyone is a legal expert on this show
Subsidized housing isn’t limited to a particular neighborhood. You just have to find a landlord willing to accept it.
Now some advice for you: The lady host talks too much and they need to fix the phone connections with these people you can't understand them when they call in..
You rarely hear about single father's whining woe is me...
Very True
Which is why they raise better children.
What does it mean that someone is a single mother or single father, is that mean their partner died or in jail. I never understand this concept.
Single Dads have women lined up wanting to help
@@handleyobusiness 100 Percent Facts!!
I respect this woman for trying to improve her income for the kids while planning a long term career. It will be better for the family in the long run. Plus it's an amazing example for her kids. You go girl❤.
Needed to hear this going through my debt free journey as a single mom. Going through this process I've really found my true friends. It's far inbetween to find someone that tries to respect your financial goals so I've really learned that I am the one that can change my future and my children's future🙌
You've got this.
I do the opposite I live in the hood and personally have a 6 figure income. Have old cars and moderate 1960’s ranch house. I choose to stay where I’m at.
I had to write a check to IRS for ppl that live in subsidized housing with 1050 monthly expenses on a car better than mine. COOL.
Almost 1k in payments toward maintaining a car and you're on govt assistance? M'kay
I think of 600 dollar insurance bill as an annual thing. Omg.
I’m Puerto Rican and I haven’t had a car payment in many years. I don’t ever want one! That person was just Dumb lol
Isn’t the average auto insurance around 1,000 a year? So less then 100 a month.
U wish 1000 a year with full coverage..... if u get around 1000 a year with full ins, u are probably old and with a car not worth that much
Ins rates are. Insanity now
Huh? No way.
Maybe 10 years ago... We have perfect driving records, old cars, and a high deductible but pay nearly $300 a month.
@@eurekahope5310 I pay 1,200 a year. I have a 2015 VW Jetta.
It also depends on the state and metro area
Girl buy a transportation and get what the law requires pip insurance to cover the other Person if u crash get a clunker basically is what I would do
In my opinion Uber can be dangerous, especially for young women.
where does the DUI fit in to this picture?
No one said anything about any DUI.
@@jimmymcgill6778 that’s his point
@@Jay-om8gr No one said anything about DUI.
People get tickets for any number of reasons.
600 a month what the heck
Don’t have kids if your broke
There is no accountability or responsibility in the USA, in 2023. Everyone is a victim, wants everything free, and feels they are "special", aka "Take care of me for my bad life decisions". FFS.
Same the world over society is all the same these days everyone is a "victim"
Dave said, "You can get the boy out da' hood but not da' hood out the homeboy" 🤣🤣
Different insurance company and stop doing uber. That's the biggest factors that she's not mentioning, yeah point's hurt insurance but insurance companies usually charge premiums on Rideshare based income.
This lady sounds like everything is everyone else’s fault. She “didn’t know” she had points on her license. Suuuuuuure 😒
Went up $600 a month? How much is her car insurance? $10k a year???
She can’t do Uber though if she gets a clunker and pip u need full coverage
Free rent
How did she get points without realising 😮
Probably paid the tickets and didn’t really think about it. As a result, she didn’t think to fight the tickets in court to avoid points on her license
Maybe her tinder dates can give her money?
🤣🤣
Or OF
Thank you Jade and Dave that “the system is against us and the little man can’t get ahead mindset” is what I can’t stand about certain people’s mindset
another single mom. great. 🍿
She can save money on auto insurance by switching to GEICO!!!🤭😂🤣
😂😂
ok, i will play the bad guy here.... so you are telling me that there is not even one man or even a woman that will put up with her so we should all feel bad for her because she is not married. i am so tired of ladies saying "well I'm a single mom" guess what 95% of the time this was a choice
Exactly! It is a choice.
The only time a woman is not a single mom is when her husband died. Otherwise, it's a choice.
All derived from bad decision making skills. She didn't learn with one kid, she gotta bring two kids into a life of poverty.
Dave talks as though women are the only ones who go through financial hardship, talk to the man who is dealing with divorce or child support 💯
If you can’t tell by the comments, the general society no longer has any sympathy for single mothers of their own circumstance. No, I’m not talking about a married mother who is now widowed.
Because certain choices should not be made without spouses. No kid deserves a broken home.
Because it is thier choice! Single mother who became single mother willing should be shamed! The baby mama pandemic need to end!!!! Children suffer from it!
Single motherhood aside, I don't understand why people have children they cannot afford. It baffles me.
@@shachede6828
I don’t shame single mothers.
Just none of my business.
Been avoiding them since high school.
@@blackworldtraveler3711 you don’t need to go out of your way. But if they come to me looking for a pity party they will get NOTHING! People on public platforms with influence must shame it. It is shameful and destructive. I am a woman.
I think I understand why she is a single mom with too kids. Not much sympathy.
Baby daddies need to pay for their kids!
You don’t know the situation it could her fault
@@TheTK42 it could, but they still have to pay.
@@TheTK42 there was, without a doubt, a guy involved at some point with some culpability
@@adamseidel9780 😂😂 so it would seem
How do you know she doesn’t receive child support?
Your tax dollars at work
6:05 Depending on where you live, the subway is a decent mode of transportation…. Just saying
NOT N.Y. C. GET KIILLED
In nyc you can even pay half if you're poor
How do you not know that you have points on your license? 🧐
Her husband is the state and we are paying.
Sr22 for insurance lapses. Dmv must have gotten to her
My insurance went up to $187. A $40 bump..
I'm b...thing about that!
Nice bro what state
My brother is 17 and pays like $170 a month for an $800 1993 Oldsmobile cutlass sierra pfffff might as well just walk
I grew up in Detroit. When I was 20 years old I got on the bus and I moved to California. I just didn't want to live in Detroit anymore. It's been over 30 years since I left. I'm glad that I got out and worked hard towards a better life. 🙏🙏