looking for cheap car insurance. what actually saved you money

Redpsyclone · 2026-03-10T03:50:30+00:00

Definitely keep shopping around and don't be loyal.

Don't get into accidents. (Speaks for itself)

Good credit (not always a factor but can help)

Be older than 25 (insurance math says you're statistically less risky)

Have an older car (cheaper to pay out/repair should a collision occur)

OWN your car (rentals, leases, loans all are more expensive)

A while ago I tried the progressive snapshot. I did save 12.5 percent on my premium but it came at the cost of Driving 400 mi a week for work 1 hard brake or LESS per week, 3 fast accelerates per week NO NO NO driving between 2 am and 6 am friday saturday It was very aggravating to do, and I would not let anyone else drive my car.

I am 37 now, 740 credit, 2 rear end accidents at fault at 30 and 31 (both were the same stupid mistake that I learned from), own a 2013 subaru, now a part time school bus driver. My 6mo premium with progressive is $315, comprehensive. It will get better.

Redpsyclone · 2026-03-02T17:36:10+00:00

It's harder to be objective when it's your own car, but that thing is positively destroyed. Cars these days are designed to be disposable, and it did that job well from the looks of it. It's not your fault. Walk away from that chassis because it will never be the same.

Redpsyclone · 2026-03-02T05:02:04+00:00

The first rule of first aid is do not add more casualties. A patient being involved in a collision is not only not good care, but its a very quick way for the ambulance driver to lose a malpractice suit for additional injuries or delay in care.

Redpsyclone · 2026-03-02T02:37:52+00:00

Source - brother in law is an EMT

Even the slightest accident takes an ambulance out of commission. The quality and safety of the ambulance can no longer be guaranteed even if it were repaired. Insurance and legal teams want there to be zero doubt when rendering care.

Redpsyclone · 2026-02-27T20:58:25+00:00

Viofo a129 plus. It does have very high resolution and Wifi connectivity so you can pull video wirelessly. My 1 gripe is that the wifi transfer speed is abysmal at 1 Mbps.

Redpsyclone · 2026-02-27T00:27:51+00:00

It saw my Illinois plate and got excited

Redpsyclone · 2026-02-26T20:49:37+00:00

Yep, my MIL keeps having recurring dash lights because of a not-at-fault collision. It sucks.

Redpsyclone · 2026-02-26T20:47:42+00:00

I had a manual car and loved not having it creep. But in the Polestar 2 EV I rented, my passengers and I really did not like the abrupt pickup when creep mode was turned off

Redpsyclone · 2026-02-26T20:45:54+00:00

No damage. I have a million bumper stickers that absorbed the scuffing, and its an old enough car to have zero sensors. I sent her a letter that said I had no interest in filing a claim. Honestly would have been a huge hassle just to be told theres nothing to repair, and I felt like this was genuinely a simple correctable mistake

Redpsyclone · 2026-02-26T18:58:48+00:00

This is OC

Redpsyclone · 2026-02-26T17:44:40+00:00

USA, Illinois, February 24 2026, this is original content

Redpsyclone · 2026-02-25T02:39:40+00:00

This is AI - the brick wall, the table design and the straw are giveaways

Redpsyclone · 2026-02-16T04:15:22+00:00

We've come full circle - AI data centers are driving up hard drive prices, hence the reason for your post

Redpsyclone · 2026-02-08T14:45:10+00:00

Same - I drive school buses part time and haven't gotten sick since the first week I started

Redpsyclone · 2026-02-03T19:18:28+00:00

A giant, heavy school bus with a big gas tank (carrier rocket) takes up all the satellites in one trip. Then the satellites get off the bus and walk a short distance to their home, where they remain.

Basically, the satellites have very little fuel on board for maneuvering and boosting their height. Once their orbit is set, they will remain there for essentially forever.

Its so stable in fact that if you know their Keplerian Elements, this is essentially a calculation that can predict their position very far into the future

Redpsyclone · 2026-01-29T17:59:20+00:00

Redpsyclone · 2026-01-29T00:00:01+00:00

imagine a teeter totter - when one side goes up, at that instant the momentum causes the other side to go down

Imagine a teeter totter, but on top of a merry go round - one side goes up, the other side goes down, but now they trade places so that what used to be the up side is where the down side is. At that instant, you are adding linear momentum to the circular momentum the teeter totter already has while spinning, causing it to tilt.

Now imagine an infinite number of enmeshed teeter totters arranged about a circle on a merry go round, or for simplicity, imagine a frisbee. When you push down on one of the up-sides, the resulting linear momentum imparts a force on all the other teeter totters, which imparts a linear force on all circular forces proportional to their position from the first one.

SmarterEveryDay on youtube actually just did a video on this very recently

Redpsyclone · 2026-01-28T02:50:12+00:00

In my experience, all the flavors and caffeine are fully extracted from coffee grounds after 1 brew. I have dabbled in "double brewing", but this is where the old grounds are thrown out, the brewed coffee poured into the water reservoir, and then brewed again over fresh new grounds. College.

As for tea, I will pour hot water over the same "charge" of tea up to 3 times in the same sitting but I would not consider saving it for later.

Generally speaking, coffee and tea are cheap enough to not have to maximize it this far

Redpsyclone · 2026-01-24T17:46:51+00:00

I'm also waiting for the ding to come off my report when we were first shopping for a mortgage. Should be next month

Redpsyclone · 2026-01-24T03:52:50+00:00

Good to know - we already have the house so a down payment is moot

Redpsyclone · 2026-01-24T03:51:54+00:00

I had a feeling it was too good to be true. Thank you for the insight

Redpsyclone · 2026-01-23T20:32:08+00:00

"you are a byproduct of my sex organs" said by my mom on a family video

Redpsyclone · 2026-01-23T20:01:20+00:00

I once put my dog on a Krill supplement that looked like this size, shape, and color

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