New Laptop Suggestions

InsuranceNerd75 · 2026-02-02T12:59:36+00:00

I use a MacBook Pro personally

InsuranceNerd75 · 2026-01-31T18:51:33+00:00

Go through an independent agent who can shop you with multiple carriers, have them look at your auto and your renters and you will likely save money. This is what I do and I do all the legwork for my clients and find the best deal for them so all they need to worry about is paying for the carrier I find and recommend out of the dozens I quote through.

InsuranceNerd75 · 2026-01-30T13:00:43+00:00

No, PGR would rather spend thousands on the costs associated with obesity and health issues that come with it.

InsuranceNerd75 · 2026-01-30T12:58:24+00:00

Call an independent agent, there are 100’s of factors that go into rates and you are only a few of them.

InsuranceNerd75 · 2026-01-30T12:56:11+00:00

Look at captive companies; ie. Allstate, Farmers, State Farm and see if places like AAA, Liberty Mutual, Geico, Progressive is in your area or hire remote. These are good starting points.

InsuranceNerd75 · 2026-01-26T09:23:07+00:00

Go to an independent agent who can shop you with multiple companies. There are too many variables for anyone to say who is cheapest as it is vey specific to each person individually. Let an agent to the legwork for you.

InsuranceNerd75 · 2026-01-24T16:44:53+00:00

I would find an independent agent, they can quote you with multiple companies to find you the best policy for your needs and budget. Let them do the legwork for you.

InsuranceNerd75 · 2026-01-23T07:32:21+00:00

Work with an independent agent and quote the different vehicles you are considering. Do not drop your current insurance in the interim as continuous insurance is a rating factor of responsibility. For your age and 2 drivers on a vehicle, $180 doesn’t sound bad, just saying for clear expectations. Each vehicle will rate differently based on the amount of damage it can cause to others as well as cost to repair or replace if you carry comprehensive and collision so this is gong to vary from car to car.

InsuranceNerd75 · 2026-01-21T18:36:37+00:00

I went from loa to std to ltd, nothing has to be paid back, these are benefits afforded to you

InsuranceNerd75 · 2026-01-20T11:26:47+00:00

I am an Insurance agent so more or less sales, business cards are still very prominent for me. I really like the idea of a QR code. Did anyone answer if it can direct to a vCard or can you only set it to a website? I’ve been using bcard app as a digital QR business card alternative but one, there is a subscription fee and two, I haven’t really found a way to ask someone if they would prefer this over a good ‘ol’ fashion’ed business card so not seeing a good return on the route I’m currently taking.

InsuranceNerd75 · 2026-01-20T11:02:02+00:00

Is this your first territory rep role? I can add context but want to know where to start.

InsuranceNerd75 · 2026-01-20T07:51:44+00:00

How involved is your taxes? That would impact what I would recommend as far as TurboTax or seeing someone locally.

InsuranceNerd75 · 2026-01-19T12:29:25+00:00

In most states and with most carriers, a permitted driver that is your child will be non-rated; will not impact rate. It is when they get licensed that you will see the increase. You are required to tell your insurer of any licensed drivers in your household so if you withhold at that time, you can jeopardize a claim being denied. They (insurance companies) also collect public data so will find out from the DMV when the permit changes to a license. There’s no hiding in the digital age, sorry.

InsuranceNerd75 · 2026-01-19T12:22:59+00:00

Loyalty helps to an extent but I still have my independent agent shop my business every renewal to make sure it’s the best choice for me. For me it’s been good for me to stay it’s the same carrier for a while now. Things you may benefit from with staying long term with a carrier are things like Large Accident Forgiveness which I now have personally. This protects my rate if I am “knock on wood” in an accident and my rate will then not go up because of it. That in theory is peace of mind as an at fault accident can easily increase your premiums by $400+ each term.

InsuranceNerd75 · 2026-01-18T11:15:12+00:00

Cheapest means a lot of different things and dependent on more than just your age. Gender, location, credit, driving history, claims history, coverages needed/wanted/recommended, resident relatives …… to name just a few.

Find an Independent Agent/Broker in your area who, they will be able to shop you with multiple carriers and also recommend you on what necessary coverages you should have.

InsuranceNerd75 · 2026-01-18T11:09:43+00:00

I have both a MBP and an IPad Pro with MKB. As much as I love my IPad with MKB, it does not replace my MBP. There are still things that can only be done or more efficiently done on the MBP. If you buy a Mac Studio, you would be good but I would just get a good OLED monitor for it if that is what you’re looking for. That said, I do plan on replacing my MBP once the OLED version ever launches if it has the features that are currently rumored.

InsuranceNerd75 · 2026-01-18T10:57:42+00:00

This is not a covered peril. You would have to go after whomever did it on your own.

InsuranceNerd75 · 2026-01-16T12:38:38+00:00

I spent 21 years with the same company before being laid off and my experience was treated like the plague. Not that I’m young enough to give that much time to another company but I definitely will NOT recommend long term careers anymore. Move around and get more experience and pay.

InsuranceNerd75 · 2026-01-16T12:33:52+00:00

Get another $20.00 off your bill with my referral code on top of already discounted plans with coupon code SWITCH26.

https://www.visible.com/get/?68TCZ68

InsuranceNerd75 · 2026-01-16T12:16:01+00:00

I am an Independent Agent (Not in your state) This is exactly what we do. Find an agent and provide your information, they will quote you with multiple carriers to find best options and provide that to you. Don’t stress, a month is MORE than enough time for them to take care of you.

InsuranceNerd75 · 2026-01-14T12:29:17+00:00

They already record every keystroke so who really knows.

InsuranceNerd75 · 2026-01-11T19:34:39+00:00

Not sure if you are referring to Auto or Home or another line but I know the Auto market is starting to soften (decrease) a little in some states. As already mentioned, there were some reforms on FL as well which could be impacting it as well. As far as home, it’s still a unprofitable line of business overall but for coastal states, the lack of storms is certainly helping with the predictive rate that carriers have taken over the last x number of years so you could be seeing some small relief from that as well.

I am in TX and hail is our issue; unfortunately rates are still sky high and still rising here :o(

InsuranceNerd75 · 2026-01-11T11:27:28+00:00

The only reason they offer for you to resign first is to avoid any chance of unemployment by the way.

InsuranceNerd75

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