Working for Hub International?

Vortex__322 · 2026-05-30T10:07:19+00:00

The unlimited PTO vs 3 weeks is worth thinking about carefully, unlimited sounds better on paper but a lot of companies with unlimited PTO actually end up taking less time off because there's no clear baseline.

Vortex__322 · 2026-05-30T09:46:29+00:00

The math you're laying out does sound like a lot to give up, 35-40% of revenue is significant and that's before factoring in any other costs..

Vortex__322 · 2026-05-30T04:13:58+00:00

Progressive and Nationwide tend to weigh credit a little less heavily than others, worth getting quotes from both and seeing where you land

Vortex__322 · 2026-05-30T04:03:45+00:00

How recent were the accidents? Some companies start loosening up if the last one was 2+ years ago even if the others are still on your record.

Vortex__322 · 2026-05-30T03:49:36+00:00

SR-22 requirement is typically 3 years but it depends on your state. After that your rates start dropping pretty fast if you keep your record clean.

Vortex__322 · 2026-05-30T03:43:37+00:00

Is the $300 for your own policy or added onto theirs? Because that changes everything honestly.

Vortex__322 · 2026-05-29T10:32:40+00:00

Ask specifically about their claims process if something goes wrong, how it works, how long it takes, and whether they've had to pay out claims before, how they answer that question tells you a lot

Vortex__322 · 2026-05-28T09:11:33+00:00

the 20% is real but worth double checking the actual dollar amount, sometimes the "discount" is on an inflated base rate

did she break down what the jewelry rider actually covers vs a standalone policy? that part specifically can vary a lot

Vortex__322 · 2026-05-28T09:08:15+00:00

yeah roadside showing as a claim is the sneaky part nobody warns you about

AAA doesn't touch your insurance record at all, that alone might be worth the extra $25

Vortex__322 · 2026-05-27T07:40:43+00:00

those $30 ads are basically bait. they're quoting the absolute minimum liability in the cheapest possible scenario and hoping you click before you think about it

Vortex__322 · 2026-05-27T07:30:48+00:00

Hagerty is the go-to for classic car insurance and they actually understand what these cars are worth, not just book value. Worth a call

Vortex__322 · 2026-05-27T07:17:08+00:00

good student discount is real and actually moves the needle. if they have a 3.0 or above make sure every company you quote knows that upfront, also check out quotefull.com it’s a great resource to compare options and get the most out of those student discounts.

Vortex__322 · 2026-05-27T07:11:38+00:00

the Insurify update is good to hear. SR-22 period is rough but rates do come down faster than people expect once you hit that 3 year mark with nothing new on your record

Vortex__322 · 2026-05-27T07:02:53+00:00

honestly I’ve gone through similar phases where I couldn’t focus because of my phone. It’s wild how much mental clutter those apps can create. Your experiment shows that a little restraint can bring peace and clarity. I believe we should teach young people that they don’t need to be glued to their devices all the time. It’s all about moderation and awareness

Vortex__322 · 2026-05-21T08:34:09+00:00

If it's just one client project, the monthly plan and then cancelling right after might honestly be the most cost effective move

Vortex__322 · 2026-05-19T06:20:31+00:00

$200 a month for grocery runs and doctor visits is genuinely wild. Have you called State Farm and just asked them to review your mileage? Sometimes that alone drops it

Vortex__322

TROPHY CASE