Welcome • User Guide
ToS • Privacy • Canary
Donate • Bugs • License

©2026 Poal.co

324

My car insurance is getting jacked up. I emailed a rep (actually more like 5 since every response is a different person) and can't get my rate back down. They are raising rates everywhere for no reason that they will tell me. They don't even have the correct vehicle info but keep saying it can't be changed because it's tied to the vin.

Anyway I had an idea. I change my deductibles to the max, $2000. It'll save me a lot of money. Then if I ever have a claim I can just grab my phone and change the deductible back to say $250. You can update coverage anywhere on the fly. It probably won't work but why not give it a shot if I need it? Everyone I ask tells me "Nah, they trace you" but on the other hand everything is so backed up, automated and diversity hired I'm starting to think I can get away with it.

It's new so I can't just do the minimum. I miss driving beaters around and not having to give a shit.

My car insurance is getting jacked up. I emailed a rep (actually more like 5 since every response is a different person) and can't get my rate back down. They are raising rates everywhere for no reason that they will tell me. They don't even have the correct vehicle info but keep saying it can't be changed because it's tied to the vin. Anyway I had an idea. I change my deductibles to the max, $2000. It'll save me a lot of money. Then if I ever have a claim I can just grab my phone and change the deductible back to say $250. You can update coverage anywhere on the fly. It probably won't work but why not give it a shot if I need it? Everyone I ask tells me "Nah, they trace you" but on the other hand everything is so backed up, automated and diversity hired I'm starting to think I can get away with it. It's new so I can't just do the minimum. I miss driving beaters around and not having to give a shit.

(post is archived)

You are currently inside a comment thread.
Click here to see all the comments (42).
[–] • 1 pt

Yeah this is really changing my thinking. The car market is so fucked up Carfax gave me a price to buy back my truck with 10k miles on it that is thousands more than I paid new.

I wanted to pick up a second vehicle like a truck from the 70s with no chips and readily available parts. I don't have to travel far anymore so now I'm thinking of just ditching the new truck for a profit and getting something classic and cool.

[–] • 2 pts

prices are nuts for trucks right now, it is hard for me to find one in my area for under $8k. Regardless of age and as long at is running.

[–] • 1 pt

True and dealing with craigslisters is not something I miss.

[–] • 0 pt

i tried CL and Autotrader, with poor results.

I don't have a facebook acct, but apparently the facebook marketplace is the way to go these days.

[–] • 1 pt

It is crazy. My 14 year old, 223,000 mile compact that's had a few run-ins with deer and people turning in front of me and has all the problems an old car has, has actually increased in value.

It was valued at $11 a few years ago, now the online estimators are saying $1200.

[–] • 1 pt

They offered $5k more from the price I paid new. That's after driving it for over a year. And the same truck on the lot is now $10k more than what I paid.

I lucked out as long as the truck is reliable and doesn't short a chip that is unobtainable. It should be though it has a proven track record.

[–] [deleted] • 0 pt

I have a brand new X5, and spend most of my time driving a 10 year old lifted VW Amarok pickup...

[–] • 0 pt

Yeah I often had some fast car but drove around in a little Mazda pickup. I sold it for what I paid for it years later and still regret it.