What Have You Done To Your 3rd Gen Today?

My previous insurance company (Allstate) kept raising my home and auto rates and they kept saying that there was nothing they could do. They "did everything they could" to get/keep my rates low. So I contacted another insurance company, got a MUCH better rate with much better coverage and called Allstate to cancel. You're not going to believe this but they miraculously found a way to save me more money on my home and auto on that very phone call! "I've been working on this since you last called. I wish you'd have waited I was just about to call you."

Call around. You'll find a better rate. I called a BUNCH of insurance companies and several were cheaper for the exact same coverage.

 

Had the 3-season tires (Toyo MT) removed and my “winters”
(Toyo M-55) installed.

The M-55s should have been studded, but I needed to use them in the early summer, and by the time the MTs arrived, I had too many kms on them to stud. Still, they do have the TPMS logo, and are “OK” on snow and ice.

Going from a 33.5” OD to 32.0” so it is slightly peppier; will try to compare actual fuel consumption over the next week or so since conditions and driving should be similar to the past month.

 

Glad you found better coverage with a lower premium.

Can I ask who you went with? Just trying to narrow things down.

TIA!

 

State Farm. I know I've explained this on TW before but I spoke to the local body shop and asked them who the best and worst insurance companies to deal with were. They said State Farm, no question. They were the only insurance company that didn't 2nd guess everything they did and had zero problem using OEM parts. ALL other insurance companies only approved OEM parts when aftermarket weren't available and some were unreasonable to work with.

Allstate while using their stupid app that spies on your driving to lower rates was higher than State Farm without using their stupid spy app.

 

Insurance costs keep increasing. One thing to consider, that has worked for us, is to change from staying with a specific carrier to using an insurance broker (independent). Once you get one, they become your advocate and find the lowest rates for you a couple of months before insurance policy change is due. No fee for them and this has helped the sting of insurance costs for us. Never going back to a "well you get the grandfathered rate as long as you stay with us" bait again.

 

That’s good to know. I’ll have to get a quote from them. Definitely don’t need anyone spying on my driving habits (I drive like a grandpa). Just don’t like the way everyone is in everyone’s business these days.

Thanks!

 

And the jagoffs driving without insurance. I recently read 13% drivers are driving without it in the US. Dung eaters all of them.

 

That’s because they can’t afford it. The irony!

 

Looks great. What app or program did you use for these AI pictures?

 

That may be true but you can't afford to drive without it either. An ironical shit sandwich if you will.

 

Definitely! They got us coming and going. No way around it.

 

You can hang the retaining cord over the spring clip that keeps the filler door closed. Maybe that was how it was designed to hold the gas cap up and out of the way.
But yes, I have one of those fancy holders like you installed also.

 

Maybe they didn’t line up the heavy part of the tire opposite your valve stem. https://www.topgear.com.ph/features/tip-sheet/do-you-know-what-those-colored-dots-on-the-sides-of-new-tires-are-for-a2600-20181008

 

I'm paying $963 every 6 months for a 2016 low mileage Tacoma, no tickets or claims... EVER!! And, that includes a discount since my home and auto are with the same company, and low mileage and garage kept!

 

I've heard the same thing. But, with my homeowners it's even worse! They asked me if I've replaced my heat pump, hot water heater, roof, upgraded plumbing or electrical since the house was new. I asked why? I'll get a discount on my insurance if I have she said. Wait a minute, I'll save money if I did any of those things? Her, yes. But, my insurance doesn't help pay for those change outs or upgrades BUT I'll save if I do those??? WTF!!! Insurance is the biggest scam there is!!

 

Part of the problem I have is I live in a hurricane zone and a lot of insurance companies pulled out of here years ago, so I only have a very few companies to choose from that will still write policies here. So, we're pretty much held hostage, they can change what they want and the state insurance commission grants their huge increases every year. Even though we haven't had a hurricane in several years. It's getting so expensive to live here, the middle class is getting run out and only the rich can afford to live here.

 

See, the thing I don't understand, in my State, North Carolina, you have to prove you have insurance coverage to get you tags every year. So, do people cancel the insurance after they get their new tags? Also, here as well as other States, you lose your license if you're caught driving without insurance. Don't see how you can get away with it??

 

I prefer to bundle my home and auto. I made a call to one of those places that compares rates of different insurers. When I told them that the shingles on my roof were 23 years old they stated none of their companies will insure one with shingles more than 20 years old.

 

Bing AI

 

I'm always up for talking about jagoffs. When I was a kid my father called just about everybody on the road a jagoff.