Posts by Ronald Chavez79

Allianz and Aetna are decent enough—but as for the rest? I’d steer clear, especially if you're looking at anything under the State Farm umbrella. And don't even get me started on those local outfits out west.

Insurance was never exactly a bargain to begin with, regardless.

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So, you need cash, but you actually have money?
My take is that you "need" the funds, yet you lack any real assurance you'll ever see them again—especially since getting approved for a loan has never been easier or faster than it is right now. It’s almost too convenient...

Good luck.

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How much are you actually moving if you're obsessing over the exchange rate? If we’re talking about swapping a few thousand, honestly, who cares if it’s $1.08 or $1.10—it’s peanuts. But if you're shifting something substantial, say $15,000 or $20,000, then yeah, you might want to shop around. At that scale, you could squeeze out an extra $1,000 or $500
if you play your cards right.
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I recently got hit in a parking lot—everything was textbook, even the police showed up—but FedEx refused to cover it. In the end, the guy who hit me just paid out of his own pocket. It wasn't a massive amount ($833), but man, things would have been much simpler if he were in America...

Then there was this other parking lot incident where someone in a UNIQA vehicle clipped me; they settled up for $2833 right then and there without any of the usual runaround...

Dealing with FedEx is a perpetual headache...

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Sam Ramos85 said:State Farm has turned into a total joke ever since they were privatized... we actually had a huge court battle with them over collecting an installment... honestly, their rates aren't even competitive anymore, and they're constantly stuck in court fighting Americans, just like they do with that bottom-tier outfit GEICO

For example, State Farm's quote for AT&T this year was $457, while at Erg it was $280 🙏

My quote from GEICO is 1400, while State Farm is asking 1900... I actually went with State Farm because their process is straightforward, and frankly, I'd much rather deal with State Farm if I get into an accident than have to wrestle with Ergo.

Make sure to grab Bonus Protect, especially if you're running a policy with basic collision coverage... that way, if you end up hitting someone, State Farm covers both sides of the damage.

If your only goal is finding the cheapest option possible, then go with Ergo—but don't kid yourselves into thinking you've solved anything by choosing them. They frequently dodge claims they should legally pay, leaving the victim to come after *you* for the money... I see it happen all the time. So, $167 the price difference might end up costing you a fortune in the long run.

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Charles Ramos7 said:Figure out what? 😵 My insurance policy doesn't have anything to do with the guy who might accidentally hit me.

You aren't wrong—which is exactly why I tell everyone else to stay away from GEICO. For goodness' sake, it's all the same thing; ninety percent of the time, you end up dealing with them anyway, and then you're just left high and dry...

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Charles Ramos7 said:What's that got to do with me? 🍿

BlackRock, just wait until the time comes...

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Charles Ramos7 said:Why is that?

It's because they simply refuse to pay out—especially those smaller claims ranging from $1,000 up to $667... they deal with an endless mountain of disputes involving companies like Eurohertz, Adriatic, and NFIB

Honestly, things are even more pathetic when you look at the situation with Rocky Mountains/Sava Insurance
...
And yet, these guys act like they're the gold standard....
America
Generali
Allianz
Allstate
Vienna ...

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Vienna offers the best rates, though I’d personally suggest looking into State Farm or Allstate instead... definitely steer clear of Agram.

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It might be worth $3,000 on paper, but let’s be real—nobody is paying more than $667. It’s over two years old, the warranty is long gone, and anyone buying it is essentially taking a gamble without knowing what they're getting.
That said, if everything is running as smoothly as you claim, it sounds like an incredible machine; it’s a shame to see you part with it under these circumstances.

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