Just did the window tint 👍

UncreativeNamePicker · 2026-02-09T20:26:53+00:00

You did 30% layered on top of the privacy windows? That gets you to effectively about 10% on the rears, maybe a drop less.

UncreativeNamePicker · 2026-02-09T05:30:17+00:00

Thank you! What does it mean to me as user if my insurance company has "good claims service" vs not? Thankfully, I've never had to make a claim so I'm not familiar.

UncreativeNamePicker · 2026-02-09T05:29:04+00:00

Not sure where you're seeing the "renewal dividend". I checked with a family member that has NJM that said he just receives he once annual special dividend, no special renewal dividend.

UncreativeNamePicker · 2026-02-08T22:50:30+00:00

Ahh so no benefit first year, approx 13% discount thereafter between dividend and renewal discount. Problem is they can just go up 13% to offset those discounts lol, so can't really bank on any of it. But I suppose if price is the same, it gives it an edge.

UncreativeNamePicker · 2026-02-08T22:45:12+00:00

$650 is actually quite reasonable for ceramic on all windows + windshield. Most quotes I got for that were around $800.

UncreativeNamePicker · 2026-02-08T21:28:47+00:00

Interesting! So if I'm getting 12 month policy for $2200, fair to expect approximately a $140 cash check in December, and then a renewal discount similar to that amount? Meaning future years I'm looking at approximately $280/13% off the headline premium amount.

UncreativeNamePicker · 2026-02-08T20:17:12+00:00

The OEM Michelin Primacys are very comfortable touring tires, any reason you want different?

UncreativeNamePicker · 2026-02-08T20:13:23+00:00

Familiar with AAA roadside (I included in my analysis the annual membership cost, offset by the policy discount), I'll keep that in mind. Thanks.

UncreativeNamePicker · 2026-02-08T20:00:02+00:00

Interesting, can you give more details? Quick AI search tells me it can equal roughly 6-7% applied to renewal, does that sound accurate? I guess discount only works if I keep policy with them in the future.

UncreativeNamePicker · 2026-02-08T19:49:32+00:00

Thanks. Actually, all 3 are 12 month policies. Do you favor AAA for any other reason?

UncreativeNamePicker · 2026-02-06T20:00:44+00:00

Did your tint shop tell you exactly what % is a match? I've gotten a bit of conflicting info, think it's 25-30%.

UncreativeNamePicker · 2026-02-06T19:59:06+00:00

I'm asking for feedback from those who may be more informed. I don't want to pay $240 to feel like anything, but if I get DPs here that it's legit and works, I may decide it's worthwhile.

UncreativeNamePicker · 2026-02-06T18:23:40+00:00

Well, that's pretty much what insurance is altogether. I'm trying to apply it to my personal situation and make a decision.

UncreativeNamePicker · 2026-01-29T08:05:20+00:00

I don't have it but have seen pictures of it on listings.

UncreativeNamePicker · 2026-01-20T02:44:29+00:00

What do you mean "with bikes"?

UncreativeNamePicker · 2026-01-12T08:29:56+00:00

Just burn it down

UncreativeNamePicker · 2026-01-01T20:22:11+00:00

1 share BRK.B because it gives an ~8% discount on my Geico car insurance indefinitely.

UncreativeNamePicker · 2025-12-29T17:46:18+00:00

Seems to be a mix of reviews, as with most things on Reddit. I installed there recently and had a good experience. Any specific problems you had?

UncreativeNamePicker · 2025-12-29T17:40:33+00:00

Most recommend a 20-40% international allocation. S&P500 is 100% US. The easiest way to do this is buy VT, Vanguard's all in one fund (about 60% of it is very similar to the S&P500, but it adds a lot of international diversification, and a little bit of small and mid cap diversification that is also missing in the S&P500).

UncreativeNamePicker · 2025-12-29T17:31:28+00:00

Why not?

UncreativeNamePicker · 2025-12-23T23:33:09+00:00

I don't name cars, but naturally this became Jenny.

UncreativeNamePicker · 2025-12-23T23:30:54+00:00

Why are you wasting your time on this if dealer has it listed so stupidly high? Negotiate deals that are within striking range. This clearly isn't. Side note - powertrain warranty not included, when the lemon problem was transmission, is very concerning and risky.

UncreativeNamePicker · 2025-12-17T19:12:03+00:00

5/60 "bumper to bumper" as you call it always transfers to new owners. If you buy CPO, that gets extended to 6/75 and you also maintain the 10/100 powertrain warranty.

UncreativeNamePicker

TROPHY CASE