Thanks for the replies. I'm wondering if talking with State Farm would change anything. I really wouldn't mind staying with them as they have helped out tremendously in the past. And the office I use knows of my grandmother running her own building back in the day (small town).

Comparing insurance costs doesn't really get you anywhere. Rates vary drastically by location, age, credit score, cars insured, etc.

I pay about $140/mo for 4 vehicles (3 with "full" coverage, low/no deductibles, etc), 2 drivers, including renter's insurance.

I wouldn't know if that's even possible anywhere in your state. :P

Nope.

The agents have ABSOLUTELY nothing to do with the rates you are charged. That's all down to the underwriters.

Insurance on the Twins is stupid expensive.

Good to know. I know the just of it of how it varies. $140/mo for 4 vehicles sounds awsome tbh. I may still want to switch if my overall amount could be reduced per month.

I doubt the agent can do anything, other than go over my current policy and see what can be adjusted. FWIW, I pay $223/mo for the FRS. :burncash:

Unless you have coverage above the state legal minimums and they lower it to the state legal minimums. There isn't anything they can do.

Agents can't set your rates, but they can sometimes find discounts that aren't obvious. If you're just a single guy with a car policy and nothing else then the discounts are limited, but if you're married and have 8 or 9 policies with the same company (multiple cars, homeowner's, umbrella, life, personal articles, etc) then there are multiple ways to set them up, some of which are cheaper than the others.

Also, +1 what Concealer said. Insurance is one of the most heavily regulated businesses out there, and every state does it differently. Even within a state there are so many variances between people that the rate your friend pays with company X has almost no relation to what you would pay.

--Ian

Well after losing my shit all day, it's finally done. The appraisal on the house came back lower than the contract price, seller has been out of town and slow to respond but we were finally able to come to an agreement to split the difference on the appraisal and contract.

No way, was I about to let a couple thousand prevent that from happening, and thankfully they felt the same on their end.

If the deal fell through, I would have to cancel all the utlity stuff I set up, cancel the movers, and still have to be out of my apt in 3 weeks since they pre-leased it so I wouldn't have to pay the fee to break the lease.

Closed yesterday, mostly moved in. Tons of unpacking still to do. Tons of things to buy (blinds, dining room table, etc)

And of course the washer/dryer/fridge were delivered today, and stupid me bought a fridge slightly too large for the opening. It fits, but the left door of the french door fridge won't quite open.

Thankfully Lowe's is cool about it. They said to just use it, go pick another one and they will swap it out, no big deal.

If Irma keeps on it's current path I will lose my home and business.

Bring me a lobster and you can wait it out here.

Insure all the things!

I don't have a lakehouse to offer anymore.

I think this will be hurricane nine for me. Just happening to come at the most inconvenient time. This one might actually take my car. Subframes and body are being painted so I can't move it right now. The only plan is to keep raising it until my stands can't be raised anymore. Everything is insured but, god damn, you can't put a price on memories. Fuck I don't want to have to find a new place to live if my house gets trashed.

I have a freezer full of lobster. I don't even eat them anymore at this point. Just give them away.

Edit 3: The lakehouse was a lot of fun. I'm glad I got a chance to go.

Get some 2x4s. Cut into 1ft lengths. Stack them and put jack stands on top. You can get the car really high this way.

That's the rig I have setup already. But if we get an 8ft surge then it won't matter.

I guess the only good thing is that everything is separated already. If my shell gets toasted then I'll just have to find another. Maybe a nice NB2 shell for my 1.6 stuff.

I'll see if my roommate can film me bear-hugging my block up the staircase.

Hope it turns north when it hits the east coast of cuba.

I got back "home" to NC this evening, after two weeks' amazing vacation.

I feel oddly / selfishly grateful that this hurricane probably isn't going to fuck up my place this coming week.

Don't really know what to say here...

What is a hurricane?

-Oregon Resident

It's something that occurs in places with warm water and cars that aren't rusty. You wouldn't understand. : P

It absolutely is the ultimate test of how selfish a person can be. "Anywhere but here" is the phrase commonly muttered amongst the locals. "Just hit Haiti again" "Come on, Cuba! Slow it down!" "Fucking turn ya bitch"

We live in a varied and at times almost indescribable place of weirdness.

Two weeks ago, I went to NAS Key West for work travel for a day and a half. From Key West, I flew directly to Texas. I was glad to leave Texas when I did, because there was a big storm rolling through and 12 hours later the flights might all be cancelled...

Maybe I'm just bad luck?

To be fair, I was in El Paso, perhaps the most..."pacific" corner of Texas

Please tell us you got the hell out of there. I can't imagine being anywhere on the Keys during this bitch would end well at all. :sad2: