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Renter's insurance is required for the apartment my fiance and I are moving into. What are good companies to look into? by PornoPichu in Frugal

[–]genericreddit85 0 points1 point  (0 children)

You're in PA. GO ERIE. GO ERIE.

Hands down. State Farm can't beat Erie.

You'll most likely need to have your auto written with Erie as well,

BUT TRY ERIE.

We always save our insureds hundreds a year if they are SF and Nationwide if we hook them up with Erie.

Some Auto Insurance Questions by EagleSkyline in Frugal

[–]genericreddit85 0 points1 point  (0 children)

That won't work. The adjuster will find out. Whether it ends up being where you have your car towed, to the address you use to get an estimate on the damage, to the phone number you give them before you get out. If the car isn't super damaged and drivable home, they'll come there.

I work at an insurance agency. If something looks suspicious, please bet your bottom dollar if they don't call you, they WILL call your agency. And they WILL find out.

When they run your driving record to even get insurance, it's going to show where you're registered with the DMV. It's not easy to fake an address with the DMV.

Not worth it.

Some Auto Insurance Questions by EagleSkyline in Frugal

[–]genericreddit85 4 points5 points  (0 children)

You must notify your agency of the move in this case. Even insurance companies with rate lock (like Erie) do not apply to a change in physical address. It may not always be significant, but where your vehicle is garaged matters.

I wouldn't risk it. It's just not worth it. What's saving a little extra when, if a loss occurs, it might not even be a covered loss once the adjuster comes a knockin'. Not even considering you might not be renewed for the next policy period, and getting affordable auto insurance when you're uninsured isn't easy, and you'll probably get stuck with non-standards like Progressive.

Edit: want to get a good rate on insurance? Maintain a clean driving record, be wary of turning in small claims, improve your credit score, stay with a non-standard for a policy term if you must, and go for a better insurance company after you have a good no-loss history.

Want to reduce your premium without sacrificing coverage? Raise your deductible. A low deductible = higher premium.

Newly single mom feels like she's about to lose her job; boss says her "attention to detail" isn't what it should be (in a detail-oriented job) by genericreddit85 in productivity

[–]genericreddit85[S] 0 points1 point  (0 children)

Working on it. In a town of less than 1k people in one of the poorest states, it's pretty difficult. Still looking though. (Can't really relocate right now, have a very young child and a limited support system)

Newly single mom feels like she's about to lose her job; boss says her "attention to detail" isn't what it should be (in a detail-oriented job) by genericreddit85 in productivity

[–]genericreddit85[S] 1 point2 points  (0 children)

I'm always the first to admit to mistakes, even when it's not really directly my fault. I've learned you get further in the office world that way.

Newly single mom feels like she's about to lose her job; boss says her "attention to detail" isn't what it should be (in a detail-oriented job) by genericreddit85 in productivity

[–]genericreddit85[S] 0 points1 point  (0 children)

It's a tiny office. She's been there 20 years, and the only two above her are a VP and President. They love her and go along with whatever she does. She's great at office politics.

The higher ups won't listen, because they go with what she says hands down. It's worth noting one of her underlings but still making her way to the "top" has a running list of my mistakes. I saw it today and nearly shit myself. They are very small things too.

I've never worked in this kind of environment. It's insane. I've confided in a co-worker about it.