I'm tired of getting extorted with car insurance. I just get liability insurance to not go to jail.

I'm tired of getting extorted with car insurance. I just get liability insurance to not go to jail. Can't I just do a chargeback with my credit card? every 3 months and hop insurance companies?

I have no moral problem doing this. I'm a victim of an extortion scheme by the insurance companies. So whatever I do to get my money back from them is justified morally.

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  1. 1 week ago
    Anonymous

    >tranime poster
    >hide thread

    • 1 week ago
      Anonymous

      Heh, yep.

    • 1 week ago
      Anonymous

      >complaining about anime on an anime imageboard
      is this how you choose to spend your limited time on earth?

      • 1 week ago
        Anonymous

        >/a exists
        >on a supposed anime image board
        Interdasting.

        • 1 week ago
          Anonymous

          An image is required to post a thread. Why would someone save stupid images? The only images I have saved are of cute girls.

  2. 1 week ago
    Anonymous

    They collude more than you think so you might get charged more and more for every time you do it once you stop being able to. You're better off just shopping around and getting a lower quote from elsewhere every time they up your rate. Also, you can call a rep and straight up ask to have it lowered; it doesn't always work like your dad says it will, but I got $20 off one time because I off-handedly mentioned I don't drive to an office anymore and the agent took that as an opportunity to lower it

    • 1 week ago
      Anonymous

      Don't' drive to an office anymore? What does that mean?

      • 1 week ago
        Anonymous

        It means I don't commute with my vehicle which means I spend less time on the road in general, making me (statistically) less liable to insure

        https://i.imgur.com/xjReSoH.jpeg

        dude i totally feel you on how insurance companies can be such a pain they're basically the og shitcoin that everyone has to buy into it's like paying into some huge ponzi scheme that keeps inflating the cost because of a few buttholes who abuse the system but hey imagine if we had a crypto token for insurance - something completely transparent and decentralized that couldn't be gamed by the bros at the top it would be the ultimate solution to fighting the insurance industry that's kinda like the vibe we're going for with chooky - decentralizing the power

        Okay Black person fine, where do I buy Chooky?

  3. 1 week ago
    Anonymous

    Insurance costs are getting fricking insane. Frick insurance companies. They simply don't need to charge as much as they're charging

    • 1 week ago
      Anonymous

      Don't forget the part where they spin it and say you're really paying to make up for the people who are successfully abusing their systems, once again conveniently placing the blame on your fellows

      • 1 week ago
        Anonymous

        dude i totally feel you on how insurance companies can be such a pain they're basically the og shitcoin that everyone has to buy into it's like paying into some huge ponzi scheme that keeps inflating the cost because of a few buttholes who abuse the system but hey imagine if we had a crypto token for insurance - something completely transparent and decentralized that couldn't be gamed by the bros at the top it would be the ultimate solution to fighting the insurance industry that's kinda like the vibe we're going for with chooky - decentralizing the power

    • 1 week ago
      Anonymous

      >start slowly mandating insurance for literally everything
      >drive a car?
      >insurance
      >renting?
      >insurance
      >own land?
      >insurance
      >want to go to the hospital?
      >insurance
      Etc
      The government has been slow rolling a forced collectivism in every facet of every responsible citizens life.
      And then they want taxes on top of it
      You were probably trying to be hyperbolic by calling it extortion, but that's exactly what it is

      • 1 week ago
        Anonymous

        Insurance is fine but they need *gasp* yes, government regulation to make sure they aren't making obscene profits. Any profit they generate should be kept to a strict minimum.

        • 1 week ago
          Anonymous

          >insurance is fine
          If that argument had merit, what mechanism, since all the new insurance regulations have been enacted in the last 15 years, has helped keep these profits at "strict minimums?"
          Insurance, like any other collectivist enterprise, needs to be 100% voluntary. If it worked, you don't force people to purchase it.
          The government forcing any citizen, for any reason, to purchase a good or service, in perpetuity, towards a for-profit institution is an absolute abortion of personal sovereignty that would (and did) make the framers of the constitution take up arms

          • 1 week ago
            Anonymous

            > needs to be 100% voluntary
            insurance is, atleast in America, but they work very hard to keep that a secret.
            learn abit more about it:
            https://odysee.com/@VSOF:8?view=playlists

  4. 1 week ago
    Anonymous

    I think I'm just going to switch to AAA which is a non profit insurance company. My moronic parents told me to use Geico because "it's the cheapest". And then I'll do a chargeback on Geico once I have the new insurance.

    it pisses me off to think I'm making these israelites profit. I wish there was a bare bones non profit insurance company where you don't get any perks, and only provided the most basic liability insurance.

  5. 1 week ago
    Anonymous

    >I just get liability insurance to not go to jail
    ????????????????????????

    • 1 week ago
      Anonymous

      You need bare minimum liability insurance to drive. Are you not American or what

  6. 1 week ago
    Anonymous

    Use an independent insurance agent. They will find the best deal for you.
    Do you even need a car? I got rid of my car and I'm saving so much on insurance alone it's insane.

    • 1 week ago
      Anonymous

      YMMV, the guy I tried to go through sucked balls. You need to find a good magic man to beat just sitting down for a couple hours and shopping around with barebones coverage

  7. 1 week ago
    Anonymous

    You're right. Your strategies are morally justifiable and you should do everything in your power to scam insurance companies, it is not only a defense of your net worth but a responsibility each of us have as american citizens, plus with the money you're saving you can get some honkler bags and absolutely make this a win win

  8. 1 week ago
    anon

    Dude just scan your old insurance card and the apply some basic ass editing with MS paint. Move a 4 from somewhere else on the card to where the 3 is and boom, now you are insured for 2024. Print that shit out and stick it in your car. I did it for years when I was broke. If you can't afford insurance you should be driving a piece of shit that doesn't have a loan on it. I showed it to cops all the time. If i didn't have a current one with me and got a no insurance ticket i would just print out a new one and show it to the prosecutor and boom, case dismissed. All good if you never get in an accident.

    • 1 week ago
      Anonymous

      This got me thinking. The problem with your method is it's forgery and a felony, so if I got caught doing that, whilst I don't consider it morally wrong to defraud an extortion scheme they deal with you harshly by doing this. I'll consider paying for annual insurance policy, get the card, and then cancel for a refund. If they won't refund me, I'll chargeback. After, I'll still have hold of the physical card with an expiration date a year from now. That way, I have a valid card and then I just wouldn't say anything to cops when I hand it over. But if they check the claim online or by phone they'll find out it was cancelled.

      But I'm not sure if my state is a state where the insurance companies and cops are in deeper collaboration with the extortion scheme, because some states the insurance companies share access to their database of actively insured for the police.

  9. 1 week ago
    Anonymous

    >I just get liability insurance to not go to jail.
    Same, bro. I'm paying $2400 a year for that bullshit.
    I'm 38 white male; been driving since I was 16; never had a single accident/violation; drive less than 2000 miles a year.
    Absolute bullshit. Frick insurance israelites.

  10. 1 week ago
    Anonymous

    find a good insurance agent. I swear this guy got me the same insurance companies but at half price. Pain in the ass because so many companies consider my car a sports car (2 door accord)

    • 1 week ago
      Anonymous

      Isn't that just adding on another expense?

      • 1 week ago
        Anonymous

        their fee comes from the rate, so no. Unless you get one of those weird ass agents that you pay to find insurance for you which is 100% a scam.

        • 1 week ago
          Anonymous

          What are their fees? Are they really going to give a frick about someone that just wants liability insurance?

          • 1 week ago
            Anonymous

            No idea, but they're commission based in general so whatever you pay in insurance, some of it is actually going to them.

            it's not always cheaper than just going direct, but you're not losing anything by just going to them and getting a quote from some agents and seeing how it compares to just going direct since they are commission based. You usually wanna scout out the ones that work with a few providers over the ones that exclusively work with one company. it really truthfully just depends on where you live + what you're insuring. It's not a bad idea to seek out a new quote every 6 months. They can also get you nice discounts.

            I live in CO and paid about 1900ish to insure my honda accord with liability + comprehensive as well as a 90s buick shitbox with liability. For the liability portion, I seriously am paying the same rate for a year as I was for 6 months at progressive and my coverage is better. I pay for 100/300/100 on all my cars. I'm comfortable enough with that amount.

  11. 1 week ago
    Anonymous

    Hi anon are you a real girl that looks like your anime picture?

  12. 1 week ago
    Anonymous

    Yet you guys complain about Europe and the 15-min neighbourhood walk kek
    Cars are a scam all around

  13. 1 week ago
    Anonymous

    Insurance *probably* needs to be mandatory, but whats wrong with making it more affordable for eveyrone? Imagine a world where people aren't being gouged by insurance and can save money?

  14. 1 week ago
    Anonymous

    I'm considering changing my plans to buy a car, the cost of maintenance and insurance are scary, and I don't want to spend everything I gain with $kendu on a car I will only use 3 times per week

  15. 1 week ago
    Anonymous

    Move to New Hampshire you dumb homosexual. Enjoy going bankrupt when you are at fault for a serious accident.

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