TRACTOR PARTS Allis Chalmers Case & David Brown Farmall & International Ferguson Ford & New Holland John Deere Massey Ferguson Massey Harris Minneapolis Moline Oliver & Cockshutt Kubota / Yanmar

TRACTOR MANUALS

Allis Chalmers	Case	Farmall IH	Ford 8N,9N,2N	Ford
Ferguson	John Deere	Massey Ferguson	Minn. Moline	Oliver

Tractor Talk Discussion Forum

I'VE ABOUT HAD IT!!!!!!!..........................

Welcome Guest, Log in or Register

Author

thepinkpanther

10-13-2005 10:59:03

Report to Moderator

..... ...with insurance companies. 19 year old son always drove old junkers and saved his money to buy a nice truck.he is out of town on a welding job and he called me last week and told me to find him a new truck. yesterday he became the proud owner of a 2006 f-350 powerstroke.i called the ins. lady and told her what he had and we needed to insure it.she said that little fender bender that he had a year ago was going to affect the cost some.the bumper on the car he damaged cost them 2112.00. okay i say, get the insurance on the new truck so he can go back to his job monday. 3337.56 A YEAR!!!!! !!!!! !!!!! !!! B.S. i tell her!!!!! !she says these young people just cost us so much.as my blood pressure topped out i asked her why a 2000.00 accident will cost him 10,000.00 over the next five years. she says iahhh..... ..well..... .you see.....i dont know.okay, what ever, i told her.i dont know how young folks can make it? another example:i pay 400.00 a month for health ins.if i get to sick to work,i lose my job.no job,no ins. coverage.i have to spend a long time in the hospital.once the ins. money is gone,then they take all my savings.when thats gone they get my farm and all my equipment. or..... ..... .i can quit my job and start hanging out a the river and fishing all day.put my kids on medicaid.i can get food stamps and heating assistence.free health clinics and the kids will get free lunch at school.that leaves me the money i make from selling scrap metal the local farmers give me for cleaning it up to buy my daily 12 pack of natural light beer!and say i get really sick, i drve to the local hospital.come on in!no charge!have to stay 2 months in intensive care.NO CHARGE!!!!! sorry, i guess i shouldnt gripe.its just that me and the kid work seven days a week to have a little something, and then we figure out we are gonna have to get another job if we want to drive a decent truck.its a shame,truly sad. oh well, better get back to work.diesel may go up, and i need to fill up.
..... .....barry

[Log in to Reply] [No Email]

winner

10-16-2005 08:19:02

Report to Moderator

agents of all kinds in reply to thepinkpanther, 10-13-2005 10:59:03

those of you going straight to the insurance companies are acting as your own agent. You may or may not be getting the best deal. but I will gauntee not one of you checked you insrunce agents referances before using them. My agent came highly recomended here in colo and calls me every three months to see how she can be helpfull and to review my poloicies. In the last two years she has called me on three differnt occasions to say i will be seeing a reduction in payment because she found something new or a better way to do it. I was already carring farmers so when i switched to her she didnt get a check for one year. That how farmers works but she still worked her but off for me. she added 200,000 life insurance for me and the premiun was less than the discount applied to my total. I guess it makes a differance when you are insuring 7 to 8 vehicles and yes two of them are my daughter and son in law because thay cant afford it like a lot of you. I believe that most agents today wheather it be insuance, realter whatever most dont do the job they used to. What is up with a realtor calling me and saying go look at this address. I say every service you employ shoud have their refeences checked.

winner

[Log in to Reply] [No Email]

10-14-2005 06:47:01

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Another reason insurance is so high is because of all the people driving without insurance. In Illinois there is a mandatory insurance law, probably 25% of the cars on the road are uninsured. Because of this, I have to carry uninsured/underinsured motorist insurance. I am sure if the state is going to make these laws, they should enforce them, it would help with some of the insurance costs. It coudl be as easy as the state requires to show an insurance card to get your license plates, then the insurance compnay has to notify the state if the policy is cancelled. The next thing would be to make it a moving violation if you are driving a car and using a cell phone, unless it is an emergency and you have to use it for your own safety. But with that law, the State police would actually have to do something beside sit along the side of the road and watch people drive by at 70-80mph in a 65mph zone.
I'll shut up now, this insurance scam gets me fired up every time!!! It is legalized thievery!!! I have never seen a poor insurance agent, of course, they get paid a percentage of the policy they sell!!!

[Log in to Reply] [No Email]

dhermesc

10-14-2005 11:09:11

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to JT, 10-14-2005 06:47:01

Kansas has a similar law and you DO have to provide proof of insurance when tagging the car, lot of one month insurance policies are issued.

[Log in to Reply] [No Email]

BobinKY

10-14-2005 06:39:08

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

In any big city you go to, one of the largest buildings downtown is an insurance building. What does that tell you?!? I live in KY, obviously, and I have always had State Farm Insurance. I have four kids, two girls and two boys. The girls are somewhat less expensive to insure than the boys. I got each of my kids a 10 year old vehicle to start with and insurance premiums were in the $1000 range annually for minimum liability and comprehensive coverage. They got a 10% discount for 3.0 grade point average, 10% discount for driver's education school, and 10% discount for completing a course set up by State Farm. I am still paying in the $1000 range annually for the boys, even though they drive four wheel drive vehicles which are somewhat more expensive to insure. I can't imagine paying $3000 to $5000 annually for a kid to drive. I informed my kids when they started driving that I would only pay for a clean record and I would only pay for 3.0 grades premiums. If they got a ticket, if they had an accident which was their fault, or if they did not maintain their grade point average in school, they would pay the difference out of their savings accounts. So far, I have paid all of their premiums. I guess I am just lucky, so far.

[Log in to Reply] [No Email]

Gary in Geneva

10-14-2005 03:48:19

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Sounds like he is using the truck for business. He probably wants to cover it under his business liability policy. It will be a lot less expensive from my experience.

[Log in to Reply] [No Email]

ntmcj

10-13-2005 22:30:34

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

A 19 year old with a new expensive truck like that? He must have one outstanding job. I work around a bunch of young GI's and they buy expensive vehicles like that. Most of them that have a couple of tickets pay as much or more for insurance than they pay on the car loan. He probably won't get much relief until he reaches age 25 and has a couple of years with a clean driving record. If he wants to save a little on insurance, he needs to get an older vehicle he can pay cash for and carry liability.

[Log in to Reply] [No Email]

Chuck Ma

10-13-2005 19:38:52

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Try living in mass son 20 three years driving 1 speeding ticket, 10 miles over limit paid 2 years $180on a 93 caravan, $2500 when he was on my insurance covering 3 cars none newer than a 99
Chuck

[Log in to Reply] [No Email]

Chuck Ma

10-13-2005 19:40:57

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Chuck Ma, 10-13-2005 19:38:52

should be 1800

[Log in to Reply] [No Email]

brian 1

10-13-2005 18:52:42

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Could have not carried insurance and paid the $2000 fender bender out of pocket but then without insurance he could have been the guy that ran over the little kid and been paying the rest of his life on a liability lawsuit award. I have no claims and pay too much for what I feel I get except that I figure going without is too much risk.

[Log in to Reply] [No Email]

Tramway Guy

10-13-2005 17:25:51

Report to Moderator

Try Esurance.com in reply to thepinkpanther, 10-13-2005 10:59:03

Try them.....saved 50% over a very heavily advertised budget company. Same (or worse)situation, a young-un with two accidents in six months.

[Log in to Reply] [No Email]

Michael D.

10-13-2005 17:22:12

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Some times you have to play the insurance game right. My son, 20, bought a 1999 F250 Superduty diesel this last spring. Insrance agent quoted $2250 every six months. Bull s#$* says I! We got him an old '87 pickup that runs and insured that as the primary vehicle and the Ford as a secondary. He pays $1075 every six months for both!! And only has a $100 deductable on the new one! Now figure that out! Now that is at out states minimum requirements for insurance. They still are making a killing where as he has a good driving record, but a savings is all we were after. Another tip for everyone is try opening a new policy in your wifes name and listing her as the primary driver on the new cars. Bet you may see a difference in the premium.

[Log in to Reply] [No Email]

marlowe

10-13-2005 17:16:46

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

i shop around every 6 months and change a lot. ins. co. are [not] your friend. i have had progressive for a little over two years longest for any co.and i check apples to apples last time i checked 17 different co.get on your putter and start checking . and don't fall for the bull shi- about staying with your old good co. also you can save a lot by going co. direct agents can kiss my as-

[Log in to Reply] [No Email]

Mark - IN.

10-13-2005 16:06:03

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

A few years ago I used to go through one of those insurances brokers - deal for several different companies. No accidents, violations moving or otherwise, no claims, clean record. Started out at $325.00 for 6 months on a new '94 Dodge pickup, but every 6 months goes up about $25.00. Everyone else says theirs goes down, mine goes up. I write it off as inflation. Then I get a premium notice from some other insurance company for like $725.00 for 6 months on the same truck. I never contacted those guys in the first place, so I tossed it in the trash. A month goes by, I get a late notice from them, $725.00 plus late fee. I call them, they say my insurance broker chose them to be my insurance company?!?! I call the insurance broker, they say that my then current company (Prudential) was obsorbed by the new company (MetLife), and that's what happened. Theres a number on my insurance policy for Prudential, so I call them and they tell me that they're still Prudential, have nothing to do with MetLife, and that my broker cancelled my insurance with them. I called my broker (Insure One) and tell them of my conversation with Prudential, and they finally admit that they just took it upon themselves to move me to the much more expensive company, although the coverage was the same with both companies. I BLEW A FRIGGIN GASKET. "No accidents, no claims, no blotches on my record, and you nearly double my rates to what? Suppliment your bads drivers?", to which they basically admitted that's what'd happened. Then they asked me if I'd like them to shop for something more in the range of what I was paying before they did that?!?! "No dumba$$, find me one that charges 3 times as much because I'm a nice guy and stupid as he..! What the fxxx do you think?".

I fired them all and went straight to State Farm on the trucks, home, tractors, scooter. No more screwing with a "insurance broker" again, just one real insurance company.

Mark

[Log in to Reply] [No Email]

txgrn

10-14-2005 05:31:47

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Mark - IN., 10-13-2005 16:06:03

Hi Mark,

I have been with SF for many years and get numerous discounts....one being multiple vehicle.

My 97 Tahoe is $232 per 6 mos 98 Dodge Ram p/u is $319 per 6 mos (driven to work) Both are full coverage with really high liability coverage.

91 /Ford 1 ton is $92 (just high liability) per 6 mos.

Agent is right down the street and is a real person that answers the phone on the first few rings. No buttons to push. You can sit down and order your insurance and look at the computer while she builds your coverage and you can pick and choose and watch the corresponding price changes. I like to tease her about "being in good hands" and Geico. She takes it on the chin.

Good decision.

Mark

[Log in to Reply] [No Email]

Bus Driver

10-13-2005 16:52:38

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Mark - IN., 10-13-2005 16:06:03

Fellow in rural SC did target shooting on his property, just him, no club or anything like that. State Farm canceled him for that reason.

[Log in to Reply] [No Email]

Mark - IN.

10-13-2005 17:25:30

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Bus Driver, 10-13-2005 16:52:38

Oh, I don't doubt what you said for a second. My point was went to a real insurance company, happened to be State Farm in my case. Could've been Allstate, Prudential, etc, etc, etc. Fired the "insurance broker".

One of my pet peaves is when the insurance... whatever they call themselves...club...board...association releases their annual most dangerous vehical report. I remember watching the news one night and caught it. As one of the vehicals, showed then Dodge's new styled model '95 or '96 Dakota pickup and how the front driver's tire folds under during impact. As well as other vehicals. First thing went through my mind was pick the most popular vehicals on the road, find a way to pick them apart, reap $$$$ by labling them as... evil.

A elderly gentleman from my brother's church broke down and bought himself a new Chevy S-10 pickup a year or so ago. Probably his last new. Had it for awhile, next thing his insurance premium sky rockets for no apparent reason. He contacts his agent, whom tells him they're popular with the young crowd, so are now considered a sports vehical. An S-10? Driven by an old retired guy? Sport vehical? He sold it, got a second hand Ford F150. Just another form of predator with excuses to justify taking advantage of others, via a large government lobby to wrangle the ears of legislators over pricey dinners and other inner-Washington DC-circle type of perks - both sides of the political aisle.

Mark

[Log in to Reply] [No Email]

steve in in

10-14-2005 09:52:15

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Mark - IN., 10-13-2005 17:25:30

I have seen that on the Dakota's. My co-worker's son slid into a ditch after swerving around a car that made an emergency stop. The right front wheel buckled under, came loose and then went rolling off to the side and into a field. It wasn't high speed either.

[Log in to Reply] [No Email]

Ohio puller

10-13-2005 16:05:56

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

The insurance company will allways come out on top and it's because they rate people in groupes, areas, ect. ect. I beleave no matter what the age, if your a bad driver then you should pay high risk and if your a good driver you should pay a low risk rate. But because of your age or where you live or what you do, ect. ect. that's how they charge you and I beleave that's wrong and it SUCKS. Then on top of all that put a crooked lawyer in a court room with a client out to get something for nothing and up go the rates some more. I'll give an example of insurance company over charge. A friend of mine and myself where talking about insurance and cost. We came to find out we had the same company and same agent. We both owned pickups and our wives each had a car no other drivers in households. Jim and I are same age and our wives are one year apart. His truck was two years newer and mine was a cheaper modle. The wives cars where both the same modle and year. Jim had wrecked his truck and had a red light ticket within about 18 months and his wife had a fender bender and both accidents they was at fault. My wife and I both had perfect records, no tickets, no accidents. Jim and I had same coverage 300-100-50 thousand and same deductable and his cost 175.00 per half less then mine. I went to the agent and after he got the picture that I wasn't leaving till I had some answers this is the reason I had to pay more. The insurance underwriters said that my wife and I was more likely to have an accident then Jim or his wife because they would be more carefull due to the fact they had accidents recently. I had all my insurance with that company and agent for about 8 years about 3000 a year. Like I said it SUCKS but what are you going to do?????

[Log in to Reply] [No Email]

gcs

10-13-2005 15:34:19

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

$3300+ per year? That's chicken feed around here, A young male "here" with low liability, and collision, per year, is looking at around $5,000,and up, depending on the vehicle, and if tickets and or accidents, I've seen $10,000.
Still think your being ripped off?, Hahahaha,... sorry couldn't help myself.

[Log in to Reply] [No Email]

Wayne in TX

10-13-2005 15:33:14

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

I bet your son can get a better rate on life insurance than I can get at 55. But then from an actuarial standpoint I am probably more likely to die than he is. Don't really have much of a problem with the logic behind the rate he pays but, I sure agree with you that all insurance, gas and medical companies are giving us a royal $crewing wihile posting record profits!

[Log in to Reply] [No Email]

jfp

10-13-2005 19:57:44

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Wayne in TX, 10-13-2005 15:33:14

Wayne, I could not say it any better than you. I'm not against anybody making money (profits) but there is a reason not to gouge people and their day is coming soon for all of them. Insurance and oil run our entire congress (all parties) and it will fall apart. I figure in about 5 to 7 years. Too much to tell in this segment as to why I think that.

[Log in to Reply] [No Email]

Yoy say

10-13-2005 15:26:31

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

he worked hard and saved to buy a 35k truck but then later you say you can't put it in your name because 35k would max out your loan limit at the bank???? Wha'd I miss? I can however cry along with you. I just sent State Farm over $500 today on my 77 car and 88 truck. And I'm an old geezer with a clean record. Yes they're greedy, and like the oil companies, can buy their own laws. Sadly yours, Cosmo

[Log in to Reply] [No Email]

he still has a loan......

10-13-2005 17:36:57

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Yoy say, 10-13-2005 15:26:31

..... .....and yes i can afford it! my point is its his truck, his debt. why would a person want to increase his debt load on a truck he doesnt own? what if i want to buy a new farm next year?truck=debt load.not my truck.not my debt.
.....PP

[Log in to Reply] [No Email]

MarkB_MI

10-13-2005 14:09:25

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Sorry, but I can't believe you and your son bought a new vehicle without checking what the insurance would run. That's the first thing I tell my son to do everytime he starts talking about buying a new car.

Based on what I was paying before my son moved out, three grand a year sounds quite reasonable for a new vehicle driven by a 19-year-old.

[Log in to Reply] [No Email]

Wisconsin Bill

10-13-2005 19:07:43

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to MarkB_MI, 10-13-2005 14:09:25

Back in '71 , I ordered my first new car- a 1971 Torino GT, 2 door fastback, 300 horse, 4 barrel, 4-speed, posi, in Grabber Green,perfect driving record with all the discounts for student,etc. I was 23 and fresh outa college with a new contract. Insurance was $700 big ones,per year! ( Contract was 5000/yr.) I got married 2 months later= insurance went to $240/yr. Does he have a girlfriend?

[Log in to Reply] [No Email]

wayne2

10-13-2005 17:20:33

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to MarkB_MI, 10-13-2005 14:09:25

I know i was the mean step-dad BUT when they didn't finish high school they did it all on thier own!!!

[Log in to Reply] [No Email]

jughead 1

10-13-2005 14:43:11

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to MarkB_MI, 10-13-2005 14:09:25

the reason he bought a new truck was
1-he could afford it and 2-he wnated one so 1-he can afford the insurance and 2-he must want the insurance-whats next complaining about filling the fuel tank? Its called selective judgement/complaints

[Log in to Reply] [No Email]

jughead 1

10-13-2005 14:53:52

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to jughead 1, 10-13-2005 14:43:11

by the way in comparision I drive a 1000 dollar truck with insurance at 300 per year. Thats 30% of the retail of my vehicle so 3300 on a 45000 truck is only 7.3 % of the retail value of his truck-I'm the one who should be hollering. In 3 years I have paid for the value of my truck in insurance, it will take him 13.5 years to pay enough insurance to cover the retail value of his truck. In short if he can pay that much for a truck then he should not complain about the insurance cost-boo hoo

[Log in to Reply] [No Email]

dhermesc

10-13-2005 15:07:38

Report to Moderator

Re: Costs vs value in reply to jughead 1, 10-13-2005 14:53:52

"I drive a 1000 dollar truck with insurance at 300 per year. Thats 30% of the retail of my vehicle so 3300 on a 45000 truck is only 7.3 % of the retail value of his truck-I'm the one who should be hollering."

You are getting hosed when you look at it that way. But you also have to remember LIABILITY covers what you might hit, both the $45,000 truck and the $1000 truck can wipe out a family of four on their Sunday drive. I pay $960 a year for full coverage with $400K liability on two cars and a pickup. Legal minimum liability is only $25,000, you could lose that hitting a dog that belongs to the wrong lawyer.

[Log in to Reply] [No Email]

Galen

10-13-2005 13:44:19

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Well - I don't like the insurance snakes, either,BUT you had to know going into this that it was gonna be expensive and that younger males were in this boat (have been for years). Around here (SE Nebraska) there are plenty of 1-2-3 year old heavy duty trucks for WAY less and around 50,000 miles. There is a difference in having what you WANT and what you NEED (or can afford). There were other options. I feel for ya, just don't feel SORRY for ya.

[Log in to Reply] [No Email]

its not the cost........

10-13-2005 14:13:13

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Galen, 10-13-2005 13:44:19

..... ..that bothers me. we knew ins can be expensive.and he can afford it easily.he works lots of hours and makes good wages.what tiffs me is a man that does the right thing and works his a## off pays the greatest. why,because the ins companies know the man has the money.why rob a poor man? since the world trade center disaster ins companies have been telling us we, the working folks that have ins have to recoup the losses of the ins companies for all natural and manmade disasters. okay, lets say you are a farmer and you have a 1000 acres of corn planted.then along come the worst drought in 200 years. your crop is wiped out.okay do you tell the folks that make corn flakes they have to pay everyone else that had corn 4 times the going rate so you and a few farmers in your isolated area can sell what you have and come out.sorry it dont work that way. ins.is a bussiness, like any other bussiness it should survive on its own,not punish the rest of the U.S.when it has a bad year

[Log in to Reply] [No Email]

Galen

10-13-2005 15:58:33

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to its not the cost........, 10-13-2005 14:13:13

SO - It IS about money! And if your son would have gotten a vehicle that cost less, had more depreciation, and less insurance value (replacement), then his premiums and payments would have been lower and we wouldn't have this thread. We all know the insurance business is out of control (like oil, banking, tution, etc, etc.). All I'm saying is a little forthought would have saved you lots of cash.

[Log in to Reply] [No Email]

Sloroll

10-13-2005 14:23:00

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to its not the cost........, 10-13-2005 14:13:13

Farmers don't get subsidies or drought relief payments?

[Log in to Reply] [No Email]

steveormary

10-13-2005 16:00:55

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Sloroll, 10-13-2005 14:23:00

They Dont???

steveormary

[Log in to Reply] [No Email]

10-13-2005 13:16:27

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

That's a sixty thousand dollar truck! O.k. how much did it cost? They are pricey!Is that a 1000 dollar payment for 5 yrs.? Plus 10 bucks a day insurance? 300 a month?That's a lot of money.Well those insurance companies occupy some of the most expensive real estate in the world and pay some great salaries to their employees and that ain't gonna change.Good luck to you and your son,you can't beat a trade.

[Log in to Reply] [No Email]

John S-B

10-13-2005 12:39:19

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Maybe you should have the truck in your name. That might save you some. Lawyers are a big part of the problem too. We ought to have maximum number of trial lawyer permits, maybe 1 for every 100k people.

[Log in to Reply] [No Email]

farmerbill2 in ny

10-13-2005 12:31:44

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

I've got an 18 year old who has had his license a little over a year,has had 2 speeding tickets and 2 accidents(walking now).He started complaining about the price of insurance for the 18 to 25 year old males so I mentioned to him how he's not helping to bring the statistics down,did'nt have an answer to that.As far as health insurance,murderer's and rapist's get 3 hots and a cot,free dental, eye care,health care,and a free education to boot.The guy that's trying to do whats right has to pay through the wazoo.But in the end I'll be glad I tried to do what's right cause there is an eternal reward for everyone.

[Log in to Reply] [No Email]

Sloroll

10-13-2005 12:21:16

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Ifn your son quits his job I want it!

[Log in to Reply] [No Email]

Gaby

10-13-2005 12:04:09

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

Hold on there Peter Sellers! If your 19 yr old son totals out this vehicle this week how much is your insurance co. on the hook for????? Only 10-15K?, yeah right. I have 2 30 yr old twin sons who are attorneys and both drive 5 yr old Honda Civic's. Sorry but I just ran out of crying towels! Question- Why does a 19 yr old male have to drive a 35-40k vehicle? Did he get a quote BEFORE he bought the truck? As mentioned shop around but if you get similar quotes that must mean something.

[Log in to Reply] [No Email]

10-13-2005 13:28:28

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Gaby, 10-13-2005 12:04:09

Because he worked for his truck, he should have the right to buy what he wants without being taken advantage of. As far as I am concerned he and all other good drivers under 25 years old are being discriminated against. How much would it cost your insurance company if you total your vehicle, it does nto matter how old you are, it costs the same no matter who is driving. I see a lot of middle age woman who are more dangerous drivers than a lot of young men, do you see then paying higher insurance premiums, I do not think so, but they are talking on cell phones, putting on makeup, etc.

[Log in to Reply] [No Email]

Rich Iowa

10-13-2005 16:11:47

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to JT, 10-13-2005 13:28:28

I"m just under 21 years, I have a spotless record, no accidents, no speeding tickets, no arrests, nothing. I don"t remember what my insurance is on my new truck (1996 Ford F250 Powerstroke) and a 1991 Dodge Dakota. I just do what I can to keep the premiums as low as possible. Of course, having an uncle that sells insurance doesn"t hurt either. :) Everyone is entitled to drive what they want. Now, my new truck isn"t brand new, and yes, it has a few miles, but it runs well, goes down the road, and looks pretty darn good if I may so. I don"t drive as far as this guy"s son does to get to work, but I wouldn"t be afraid to drive it anywhere. The price of fuel, however, does scare me :)

I"m getting ready to get my CDL through the company I work for. I have to have their ins. company check my record again, just to make sure it"s clean. I understand the game the insurance companies play, and why they play it. Think it"s bad now, wait till they start paying for all the stuff down south that was damaged.

Sorry for going off topic, must be getting old, Rich

[Log in to Reply] [No Email]

dhermesc

10-13-2005 14:02:29

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to JT, 10-13-2005 13:28:28

Lets see, he has already had a wreck, he's in an age group that is most prone to have/cause wrecks and he's driving a vehicle that can cause more damage to others and be more expensive to replace if he has an accident.

Yep, his RIGHTS is being violated.

How about this, since he's so proud of driving such an expensive vehicle, why don't he buy a bumper sticker that says:

"Ask Me How Much My Insurance Is"

Then people can be equally impressed with that too.

[Log in to Reply] [No Email]

10-13-2005 15:21:23

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to dhermesc, 10-13-2005 14:02:29

When I was 19, i had worked my tail off, bought a brand new truck, had a good driving record, still paid the price of high insurance. That is why they are in the insurance company, they are willing to take that risk. I was proud of the fact I had enought ambition to work and buy a new truck, just like this young fellow is. If you are not proud of your ambitions and accomplishments, then that is your right. Most of my friends laid around sponging off mommy and daddy, and drove junk vehicles. Lets see, you have a junky car, you have the attitude, it ain't worth much, so why worry about it,But you spend $40,000.00 on a truck, you are proud to have it, and you are a little more careful about what you do with it. At least I was that way.

[Log in to Reply] [No Email]

cute

10-13-2005 14:19:49

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to dhermesc, 10-13-2005 14:02:29

okay i get your point.way i was raised you work hard to get something YOU can be proud of. if you dont find that having a nice truck is an accoplishment.good for you.
clap,clap,clap,clap,clap,clap
PP

[Log in to Reply] [No Email]

answer to your question..

10-13-2005 12:43:17

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Gaby, 10-13-2005 12:04:09

..... .the reason THIS 19 year old drives a 35k truck is
#1 he is a welder and uses it in his work,kinda hard to get around on a muddy jobsite totin a 1500 lb welder in a honda civic.
#2he wanted to have a dependable,useable truck ready to go anywhere he is needed,at all times.
#3he has worked his tail off since he was 14 and saved his money and this is what he wanted.
#4he wanted something to be proud of.why drive junk if you can afford better? my point to the post was the ins. companies have you by the b#lls.

[Log in to Reply] [No Email]

Gaby

10-13-2005 13:10:16

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to answer to your question.., 10-13-2005 12:43:17

I fully understand your reasoning regarding his job, but there are alot of 15K trucks around that are not junk. Do you have Defensive Dring Credits where you are? What deductible did they quote? Can he register truck in your name and become a named driver on your policy?

[Log in to Reply] [No Email]

no ddc here..............

10-13-2005 13:25:59

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Gaby, 10-13-2005 13:10:16

..... ...as far as putting truck in my name, that would raise my credit to debt line at the bank.i have very little debt,and adding 35k to it is just something i dont want.i dont mind helping, but that would have little benefit for jr. also you have to be primary driver on ONE vehicle in MO.my truck is a f-350 power stroke,so no help by putting him on it. he could hace bought a 15k truck.a truck with 125k.jr makes his living as a pipe welder.on the road a lot.this month chicago,next month maybe western montana.i call it piece of mind. yea, i know new ones break too.but he makes his money being there when they need him.

[Log in to Reply] [No Email]

dhermesc

10-13-2005 11:28:03

Report to Moderator

Worth every penny in reply to thepinkpanther, 10-13-2005 10:59:03

A 19 year old male with an accident (probably a ticket to go with it) will have high insurance, then buy one of the most expensive vehicles on the road and they will ream you up one side and down the other. Shop around, you MIGHT find a better deal but I doubt it.

As for health insurance, I used to look at it the same way you do, I had paid in anywhere from $2000 to $5000 a YEAR (my share) for health insurance for the past 20 years and they only paid out about $4000 TOTAL on the birth of my two sons, I hadn't met my deductable once. Then three years ago my son became ill, since then he's racked up over $300,000 in medical bills with no end in sight. Top it off I came down with a "mystery" case of pneumonia that almost killed me in three days, two weeks later I walked out of hte hospital 35 pounds lighter. You wonder why its so high, I wonder how it can be so cheap.

[Log in to Reply] [No Email]

lucasss

10-13-2005 11:25:46

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to thepinkpanther, 10-13-2005 10:59:03

yep..

[Log in to Reply] [No Email]

seeya

10-13-2005 11:53:34

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to lucasss, 10-13-2005 11:25:46

What about all those folks in Gulf coast who paid homeowners hurricane ins only to get nothing now. My homeowners has gone up "due to the meth labs around here", but I don't have a meth lab, why does my ins go up?

[Log in to Reply] [No Email]

dhermesc

10-13-2005 12:04:38

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to seeya, 10-13-2005 11:53:34

"What about all those folks in Gulf coast who paid homeowners hurricane ins only to get nothing now."

Could it be that they didn't buy flood insurance?

[Log in to Reply] [No Email]

seeya

10-13-2005 15:23:24

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to dhermesc, 10-13-2005 12:04:38

Hurricanes bring storm surge, you must be in the insurance biz.

[Log in to Reply] [No Email]

Mitchissippi

10-13-2005 12:12:17

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to dhermesc, 10-13-2005 12:04:38

Two years ago my homeowners was gonna go from around $700 a year to around $3000!

I pulled everything I had from that company and crossed the street. It still nearly doubled though.

Mitch

[Log in to Reply] [No Email]

Ryan - WI

10-13-2005 17:26:02

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Mitchissippi, 10-13-2005 12:12:17

I just wanted to point out that everyone is a good driver until they have an accident. If no one paid in extra until after they had a claim, the insurance company would have no money, go broke and our society would be without insurance.

and that by the way would be bad.

[Log in to Reply] [No Email]

jfp

10-14-2005 06:33:25

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Ryan - WI, 10-13-2005 17:26:02

Wrong!!!!! Insurance companies invest in a lot of things with your money. They are so good at it, they can get anywhere from 10% to 50% at local levels. There's more but to much to explain here.

[Log in to Reply] [No Email]

cdmn

10-13-2005 22:27:48

Report to Moderator

Re: I'VE ABOUT HAD IT!!!!!!!...................... in reply to Ryan - WI, 10-13-2005 17:26:02

And not only that, myself and a lot of others get their retirements paid out of insurance companies' investments. When there is a stock market collapse like in 2001, or if they fear one in the near future, they're going to be pretty desperate to raise the cash flow they need to pay out to their annuity holders, etc. That includes putting pressure on companies they invest in to raise profits by buying offshore. If you default on annuities, your reputation is shot, and who knows who all will go down the drain with you. So you could kick up inflation to save your political neck, but then what happens to everyone who thought they had some savings put away? Only social security is indexed for inflation.

[Log in to Reply] [No Email]

[Options] [Printer Friendly] [Posting Help] [Return to Forum] [Log in to Reply]

TRACTOR PARTS	TRACTOR MANUALS

We sell tractor parts! We have the parts you need to repair your tractor - the right parts. Our low prices and years of research make us your best choice when you need parts. Shop Online Today. [ About Us ]

Home | Forums

Copyright © 1997-2023 Yesterday's Tractor Co.
All Rights Reserved. Reproduction of any part of this website, including design and content, without written permission is strictly prohibited. Trade Marks and Trade Names contained and used in this Website are those of others, and are used in this Website in a descriptive sense to refer to the products of others. Use of this Web site constitutes acceptance of our User Agreement and Privacy Policy

TRADEMARK DISCLAIMER: Tradenames and Trademarks referred to within Yesterday's Tractor Co. products and within the Yesterday's Tractor Co. websites are the property of their respective trademark holders. None of these trademark holders are affiliated with Yesterday's Tractor Co., our products, or our website nor are we sponsored by them. John Deere and its logos are the registered trademarks of the John Deere Corporation. Agco, Agco Allis, White, Massey Ferguson and their logos are the registered trademarks of AGCO Corporation. Case, Case-IH, Farmall, International Harvester, New Holland and their logos are registered trademarks of CNH Global N.V.

Yesterday's Tractors - Antique Tractor Headquarters

Website Accessibility Policy