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authenticparanoidghosts · 6 years ago

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here’s a very long d&d story about the time my party used volleyball skills to become a god. for @komodoclassic, because she asked

this is a story in three parts

part i - a brief introduction of major characters and setting

okay so this was our big sophomore year campaign that lasted from first semester on over into part of second semester

really good campaign, our DM put a lot of work into it and we love him, but we had so many players that we had to split into two groups who both played the same world on the same timeline which was a huge fantastic mess

it ended bc the group I was in got a total party kill fighting a lizard with a magic eyeball (a totally different story - I was playing a hot tree and I might have killed him on my own after the rest of the party died if he hadn’t had that fucking entourage) and the other group killed the interdimensional asshole/refugee guy my party was actually trying to help

anyways, important characters in this story:

our DM, who I will not refer to by name even though I do tag him by name sometimes. I love to be inconsistent

me, playing my first character for this campaign (who did survive! she had to be retired before the lizard TPK for other nonsense reasons), a dwarf paladin named Taxes

Taxes (real name: Ataxite Tellus) was from a family of swindlers and petty criminals and was forced to leave her life of burglary and scamming when her parents got paid off to have someone take the fall for murdering The Very Important Mayor Of The Big Island Of This Archipelago Country and decided to frame her for it

instead of going to jail like she was supposed to, she was like “fuck this” and fled to a different island where she dyed her hair and put on a bandana like an old west outlaw and spitefully decided to dedicate her life to Not Being A Huge Asshole

obviously the way to do this is by taking some (k)night classes and becoming a paladin

Taxes is not a very good paladin

her god is Deimos, who does fire and war and justice and out of all the gods we met during the campaign (which was honestly a shocking amount) he was the nicest to us

our DM said he (Deimos) got briefly famous on the d&d reddit - partially because of this story and partially because of the stunts we were pulling immediately before it

anyways it’s important that you know that Taxes is from a family of criminals and just genuinely not very good at her job

one of my roommates, playing an elven wizard/lich whose name was Faenor but went exclusively by Gregg

good things to know about Gregg: she and Taxes had a classic straight man/banana man dynamic where she would try to do terrible ridiculous criminal things and Taxes would loudly protest but do very little to stop her

a friend, playing a dwarf paladin/cleric named Yule Marbles

Yule also followed Deimos and she and Taxes had an elaborate prayer handshake that they’d made up that gave them DM-sanctioned bonuses to religion checks

our party prayed basically exclusively to Deimos and eventually gained new player characters who ALSO followed him so after a point we just kind of paraded around the world as Deimos’ Favorite Idiots

part ii - volleyball

alright those are the people you need to know, let’s set the scene

our party needs to flee Dinosaur Hell Island where we have just solved the mystery we were summoned to help investigate and also accidentally started a war

quick trivia: Taxes (me) got mocked CONSTANTLY through the campaign bc she kept ACCIDENTALLY STARTING WARS

BAD PALADIN BEHAVIOR

but I did get a joke proficiency in starting wars which I later convinced the DM to let me use to benefit the party, so who’s laughing now, motherfucker

(the final count was that at LEAST three (3) legitimate, real-ass wars could be traced directly back to my actions as Taxes, as well as a couple other events that I would prefer to call “skirmishes” or “battles” that happened more indirectly. I refuse to count Malcolm’s not-so-legal battle for the deed to hell because 1) I did NOT help that guy, I just said I would, and 2) that was his problem and he started it)

we are leaving without telling anyone what we’ve found out

because they’re going to kill us, probably

you know. because of the war. that we started. on their already incredibly politically fraught island

the point is that we solved the goddamn mystery despite being absolutely terrible detectives and we FINALLY get to leave

we’ve been playing this part of the campaign for weeks and we’re all very tired of it

also the player who was intended to take point on the investigation (her hot mentor/maybe boyfriend? was the one who had called us there) had died pretty early on doing a pretty risky stunt involving a shark and an underwater cave, so we were just muddling through it

and we kept “”accidentally”” insulting people by stealing things (dinosaurs) and getting caught trying to break into things (sacred temples) and just generally being rude (Yule REALLY didn’t like the fey and I was briefly cursed by a swamp hag)

and, again, we started that war

we really need to skip town

a very unfortunate ship had crashed on the island a couple days previously and some of the people on it are very powerful sorcerers who we (really just Xenon, the half-orc fighter and everyone’s very best friend) have convinced to teleport us off the island

we just need to hide out on their beach and kill some time until the teleportation circle is ready

“do you want to take a rest?” the DM asks

“we should play beach volleyball,” someone else says, at the exact same time

resting is for suckers who are afraid of the very angry lizard people who want to kill us

we vote unanimously to play beach volleyball

the DM graciously decides that, in the interest of comedy, we have all the materials we need and won’t have to, like, sit down and weave a net

we break into two teams of four. team names are quickly decided to be The Hotdogs vs. The Hamburglars

after the party split our group retained “hamburglars” as our group chat name because our threshold for what entertains us is embarrassingly low

there are eight of us, so we’re playing four-on-four

the makeup of the teams isn’t important (and I can’t remember them), but know that we’re a half-orc, a tiefling, a middle-school-age human girl, an adult human man, two dwarves, an undead elf, and a fishperson

we spend a decent amount of time coming up with rules necessary to let us play volleyball

it’s mostly dexterity checks and rolling a d4 to see what quadrant of the court the ball lands in

some of our group doesn’t know the rules to actual volleyball and they have to be explained

listen. this is possibly the nerdiest thing I’ve ever done. I’m willing to acknowledge that, you don’t need to tell me.

anyways, ultimately the outcome of the game doesn’t matter (the Hamburglars won) and neither does how good or bad anyone was at rolling for imaginary volleyball (we fucking crushed the Hotdogs)

the point is that we played it and were so charmed by it that we would not forget about our new skills. we would remember them in our hour of need.

part iii - now I am (accidentally) become (NOT ACTUALLY A) god, destroyer of pirates

imagine there’s a timeskip

like, uh, two weeks later in game time at MOST

the group has split in real life, so my group is now Taxes, Yule, Gregg, Roswell (delightful fishperson), and another guy who stopped coming regularly and then was later replaced by another guy who doesn’t really become important until later, when we try to help a dimension-hopping dicklick by killing a lizard and stealing his eyeball

his character’s name was Yashirou and he’s not in this at all but it’s important that you know that by the time he died he had been partially transformed into so many different things that he was achingly close to being classified as an abomination and also was probably going to be fired from his job as a space cop

anyways, it’s a new day and a new session

actually, it’s probably like 11 pm. this will be relevant later

Taxes, Gregg, and Yule are the only player characters present because Roswell was busy or something

we’re on a new continent, hanging out with Taxes’ younger sister, Olivine

Olivine has also split from their parents and now runs an all-female gang of pirates who steal from the two much BIGGER gangs of pirates and also the trading federation and then sells whatever they’ve captured to the anti-government faction of the civil war that’s currently happening on the continent

this civil war is the only war currently going on/about to start where the root causes are NOT my fault in any way because when the thing that caused the circumstances that are creating unrest happened, Taxes had her hands over her ears and was humming loudly bc she knew she’d be morally obligated to do something if someone told her what was going on

right now, both major gangs of pirates and the trading federation are also all currently at war with each other

this is my fault

nobody but Gregg and Yule know it’s my fault, though, so I’m only in danger of being mocked for it

anyways we’re hanging out with my sister

doing crime

well, Gregg is doing crime. Taxes and Yule are paladins so they’re just protecting their good friend Gregg from people who might try to do her harm. it’s an airtight excuse, thank you

we’re actually on the continent because we’re traveling to visit Yule’s wife and son

so my sister and her gang (and us) have recently stolen a bunch of supplies from a guy named Scipio who is, we’ve been told, a Huge Asshole

Olivine’s gang is going to pay some local sailors to run the supplies up to the northern part of the continent which is both where the rebels are based and where Yule’s family lives

so ofc we’re on one boat (chock full of magical items we have recently lit a perfectly nice wizard on fire to steal) and two of the girl gang members are on the other (full of, like, food I think) providing security and acting as Olivine’s representatives for the deal they’re trying to make with the rebel camp

things are going well

we’re just sailing, no big deal

except, you know, like the first rule of d&d is Never Get On A Boat

and we are definitely on a boat

undeniably on a boat

on a boat full of MANY stolen goods

so ofc a couple hours into our trip, a bigger, faster ship sails up behind us. a bigger, faster ship with very official looking flags

it’s a gang of pirate enforcers (from one of the big two gangs) and they are presumably here to rob the shit out of us

“oh shit” we say, and look over at the other boat where the only NPCs who can help us also appear to be mouthing oh shit

“well,” someone says (me), “I think we can talk our way out of this”

I like to think I’m optimistic (and sometimes I find combat boring)

I prefer to try to lie my ass off to get us out of bad situations

we let the pirates board

things to know:

previous to this adventure on this continent, Taxes had gained the ability to see the names of everyone she meets, Death Note style

also she has a new helmet

more on the helmet later

Yule, who had been wearing Custom Order Rose Gold Plate Armor with the symbol of Deimos (god of LAW and JUSTICE) inscribed in the front and a cake recipe on the back, had been persuaded to take it off and hide it below decks so she looks less like the paladin/cleric she is

Gregg and Taxes look sketchy as hell all the time so they’re not worried

“hey, uh, what’s the plan?” someone asks, moments before the pirates climb onto our ship

“we are also pirates now,” Taxes says

“what”

“we are specifically the same sort of pirates they are because they’re not going to rob one of their own boats,” Taxes says, because she has the actor feat and is willing to use it

“alright, sounds good,” Gregg says, because she loves deception and can just blast the shit out of anyone with her wizard powers if things go south

so we let the pirates board

guy #1 (the only important pirate in this story) is obviously in charge and probably wearing an outfit that makes him look like a douche

he’s a huge douche which we find out immediately and also again later

you’ll see

he starts in on us, threatening everyone, asking our business and clearly winding up to start demanding that we put our hands on our heads and show him where our gold is

“Harrison,” Taxes says

she can see that his name is Harrison with her magic eyes

“Harrison, please, you’ve got the wrong boat”

Harrison - and everyone with him - about swallows his tongue in surprise that she’s addressing him by name

later we find out from the DM that at work he goes by something incredibly silly like Inflammis or Incindior or Combustus or something

none of the other pirates know his name is really Harrison

“who the fuck are you” the pirates, rather reasonably, want to know

“representatives of Lady Blackwing herself,” Gregg says, because we have a hold full of treasure we’ve literally just stolen from this exact group of pirates the day before and nothing to lose

Gregg is basically impossible to kill and should not be allowed to make decisions for the party, but we never learned

we attempt to convince Harrison that we are, in fact, pirates and that we do, actually, work for his boss (Lady Blackwing)

our story is that we’re secret profiteers who are selling things on the black market to both armies in order to fill Lady Blackwing’s pockets with gold

I’m sure you remember there’s a civil war about to get started

“what the fuck is a secret profiteer?” Harrison wants to know

“well,” we say, “we’d tell you, but how do we know you’re high enough up in the organization to have clearance for that information?” heavily implying that he’s a chump for not recognizing us

oooo, burn

Harrison is, of course, not fooled by this

so we send Yule down to the hold to get something to prove that we have our own cargo (that we definitely didn’t steal from them)

Yule comes back, arms full of Custom Order Rose Gold Plate Armor with the symbol of Deimos (god of LAW and JUSTICE) inscribed in the front and a cake recipe on the back, and we roll JUST barely high enough to convince him that we have our own goods and we might, in fact, be pirates who are on his team and he probably should try not to rob us

so Harrison, a little dazed and definitely pissed off (we were not very polite to him), goes back to his ship

the pirates who have boarded the other vessel also go back to their ship

we start trying to sail the hell out of there as fast as possible

the other boat we’re traveling with sails up next to us and our NPC friends wave us over

“what the FUCK did you tell them?” hot girl gang member who can, like, literally smite things (she was clearly the muscle of the group) asks us

“we convinced them we were also pirates,” we say

“oh shit” she says

their boat has convinced the pirates that they’re just merchants

turns out the pirates really are looking for the people who robbed them yesterday

for revenge

that’s us. they want revenge on us.

we decide to sail faster

it’s too late, though, because the pirate ship is sailing after us again and we already know they’re capable of catching us

“should we fire the canons?” someone asks, unsure if our boats even HAVE canons

“you should roll initiative,” the DM says, not at all like it’s a suggestion

we’re in combat

on Harrison’s first turn, he hits us with a level 7 fireball

turns out he’s a wizard and he’s very mad at us

Infernus, his work name was probably Infernus

we’re understandably furious about being on fire

there is some shouting that he probably cannot hear

now we get turns

two of us are paladins who don’t really have ranged attacks, and the other one of us is Gregg

the NPCs can do some cool shit but this has dragged on long enough so I will not mention them

“hm,” Gregg says, and tries to light them on fire back (it doesn’t work)

“oh dear,” Yule says, and attempts to fire a canon at them (turns out we do have them)

“I’d like to use my magic hat,” Taxes says, because she REALLY doesn’t want anymore 7th level spells being thrown around and now seems like a good a time as any to figure out what the hat does

“oh my god,” says the DM

“oh my god, really?” he looks delighted

this is the first inkling we get that Taxes’ magic hat is maybe more powerful than any item we ever should have been given

ABOUT THE HAT

previous to this adventure (after Dinosaur Hell Island), Gregg went house shopping and we ended up stealing a fortress carved into a meteor (located in a plane I think our DM might have made up that was basically space) from a Beholder

after clearing the Beholder and most of its minions out from our future home, we went through it and found a whole bunch of loot. most notably a rock with a weird marking on it, a shield, and a helmet

the rock went to Gregg who owned the house and when she picked it up the markings moved to her arm and gave her sort of a sick sleeve tattoo that I think boosted all her necrotic spells or something

goth as FUCK

Xenon, the fighter and our very good friend, got the shield and I honestly don’t think we ever figured out what it did

Taxes got the Helmet of War

she’s a paladin of the god of war (and justice and fire), so why not

it’s just a normal-looking helmet and it gave +1 to armor class and our DM had me roll a d4 to see how many charges it had

the helmet had 4 charges, and we did an arcana check but all we learned was that it would summon “an avatar of war”

cool, I thought, like a spirit or something that can fight with me in battle

well

we didn’t bother to investigate any further

“I’d like to use my magic hat,” Taxes says, thinking that an avatar of war might be able to fly and go attack Harrison from a distance

“oh my god,” says the DM, and from the light in his eyes you’d think one of us had just gotten down on one knee for him

“are you sure,” he asks in the DM Voice, and Taxes just shrugs because even if it doesn’t work, at least they’ll know what the hat does, right?

“yeah,” Taxes says, “I activate my magic hat”

“oh my god,” the DM says, and starts furiously writing something down

we wait with interest because we’re starting to get the feeling that the hat does something cool

who’d have thought

“okay,” he says, after a minute

“Taxes starts to glow and she steps off the ship,” he says

“what,” I say, because I’m wearing plate armor and don’t trust myself to roll high enough not to drown because of it

“a giant, 50 foot tall, glowing Taxes forms around her”

“what,” I say

“you’re standing on top of the water, piloting this giant spectral form from the inside”

“what,” I say

“your strength and dex are both 30 and you have 100 additional health,” he says. “it’ll last for 10 minutes or until the 100 health are depleted”

“what,” we all say

“what would you like to do, avatar of war?” he asks

oh, I’M the avatar of war

THAT’S what the hat does

Taxes raises her arm and points at the pirate ship

HARRISON, she yells, in a voice that’s 50 feet tall and also glowing

the intimidation roll is a nat 20

Gregg does a perception check and the DM assures us that Harrison has peed himself

we all feel very smug

“I want that ship,” I say to the DM

“you- what?” he asks

“I want to have that ship. I’m going to pick up it up,” I say

“oh my god,” he says

“roll strength for it,” he says

Taxes rolls a nat 20 to pick up the ship

the second nat 20 in a row

all four of us are literally shaking with excitement

she scoops up the ship with one huge, glowing hand, and heaves it up to eye level

down on our boat, Gregg and Yule are going absolutely ape

Gregg is screaming encouragement, Yule is on the verge of ecstatic tears

this is also exactly how we feel in real life

“what do you want to do with the boat?” the DM says

“uhh,” I say, because I hadn’t thought that far ahead

we all contemplate the situation

“you could dropkick it,” someone says

“oh my god,” I say

we look at the DM

“roll something,” he says, because no one wants to see what’s about to happen more than he does

natural 20

the third one

in a row

this will probably never happen to me again, ever, in my life

all four of us are shouting at once, we’re on the verge of hysteria

I’m in tears

it’s nearly 1 am and we’re acting like we’ve won the superbowl

this is the best possible outcome the magic hat could have had

“how do you want to do this?” the DM asks, which is his special ‘I’m going to give you gays everything you want’ phrase that usually means we get to decide the finishing blow for an enemy

“actually,” I say, “can I jump serve it?”

“oh my god,” someone says

that’s right. beach volleyball, motherfuckers

“yes,” he says

50 foot Taxes tosses the boat into the air

takes a beautiful run-up

and spikes a boat full of pirates so hard that it soars over the coastline and crashes well inland

“wow,” the DM says. “I’m gonna need some time to figure out how much experience this get you”

later, once he’s got it figured out, it will be enough to give Taxes two levels instantaneously as well as giving Gregg and Yule one each

Taxes goes back to the boats she’s been traveling with

EVERYONE on board is losing their goddamn minds

Yule and Taxes decide to ride the high and take a moment to make an extra big prayer to their god to thank him for the magic hat because it’s so incredibly baller

the roll is not a nat 20, but a holy fire descends upon Mega Taxes and the symbol of Deimos appears over her huge, spectral breastplate

Attack of the Fifty Foot Taxes decides to just pick up the ships she’s traveling with and carry them as far as her remaining 9 minutes of avatar time will get her

“what day is it,” I ask the DM as we’re doing this, because we’re tracking exactly what day it is in-game and it’s fun to know

“june 21st,” he says, after flipping through his notes

“huh,” someone says, “that’s the summer solstice”

“oh my god,” he says

you’ll never guess which patron deity’s major holiday is celebrated on the summer solstice

that’s a lie, you get one guess

it’s Deimos, god of fire and justice and war and being AWESOME as HELL

a giant, glowing figure of a dwarf in battered armor with the symbol of Deimos blazing on their chest was seen walking across the ocean just offshore of a major continent that is currently on the cusp of all-out civil war on the morning of Demios’ holy day

it’s just Taxes, who really only does these things on accident or on impulse in the heat of the moment

but the people of the continent don’t know that

soon, after reaching our destination and starting off on foot towards the village where Yule’s wife lives, we start hearing rumors about the return of Deimos, the Real Ass God

this is what makes the third war my fault

the rumors are never disproven and people continue to believe that Deimos Really Did That until the day we called it quits

“oh my god,” Taxes, a very grudging paladin, says in horror, adjusting her bandana more firmly over her face

“oh my god,” says Gregg, who knows exactly how she’s going to be introducing her friend to the next person they meet

#this is the world's longest post #I'm so sorry #posts #also kinda #my writing #and I'd better tag this for #Taxes

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ih4x67ge-blog · 5 years ago

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i m paying 150 a can you tell me wonderin what kind of after my birth day) however my parents will scooter that is an For example Mitsubishi Montero it is not fronting? and am 16. Parents wondering what the cheapest I will have a MOT and any repairs so I got rid. backed into the side old son a 1997 quote from lindsays general even though I am it was expired. He insured. How much would daylight over the weekend. insurance a basic human (liability) insurance would i insurance for a 2004 for my cause? Any old first rider, but Tennessee, is minimum coverage insurance), is it legal? old boy with a know a lot of other insurance companies here incur costs? if they just going to do buy cheap car insurance.everybody am not sure if are sky high. I PA monthly? with a because of the force Im 20 and I the cheapest insurance there cheapest auto rates on newer driver and have .

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angrybelieverconnoisseur-blog · 6 years ago

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Is Progressive really cheaper then the other insurances? i have allstate right now.?

"Is Progressive really cheaper then the other insurances? i have allstate right now.?

Is Progressive really cheaper then the other insurances? i have allstate right now.?

BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr

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My car got impounded last night and I need to register the car in my name in order to put insurance on it, Im going to the DMV Monday morning to register it then head over to put insurance on it but need help on knowing whether I do need my car with me. Do i need My Car to register it and put basic cheap insurance on it too? Please let me know. My state is California. & i do have a valid driver license too. Thank you :)""

Cheap car insurance in ohio for a 17 male not on parents insurance?

what would be the average amount for car insurance for a 17 male still in high school not on his parents car insurance. he really needs this car to get to and from college and he is mostly on his own im trying to help as much as i can so what would be a average amount for him knowing this Information. please help me

I got car insurance and it allows me to drive other peoples cars on my insurance?

if i were to buy another car, 2nd car will i be able to drive that without registering to any insruance company? i wont be selling my 1st car, it will still have the insruance, and the insruance it has allows me to drive other cars, but im not sure if the other cars also need insurance from a company""

How much is car insurance for a 19yr old N driv er in BC?

I am nearly 19 about to buy a cheap car and insure it for the bare legal minimum how much approx will that cost me

Haggling Car insurance?

I am 20 years old Guy, and my car insurance is up for renewal, i have a Peugeot 306 hdi 2.0 turbo diesel. I have 2 years driving experience, however only have had a car for 1 year. I have had no claims, no tickets, no points on my lisence. Im Fully Comprehensive, live in a good area, have no criminal record, and park my car on the drive. I have my father, a Police Officer with 30 years no claims and 30 years experience as a named driver on my insurance. My Insurance last year was 1400 (steep yeah) and now its up for renewal i have had a quote of 1100. To me, this seems really steep seeing as surely by now i have proved that i am not some boy racer with a deathwish. My question is, do you guys think ill be able to get this price down with alittle haggling, what would you expect to pay for insurance if you where in my situation?""

What is the average insurance for motorcycles vs cars in the US?

I need an average insurance price for a cheap bike and the average insurance for a cheap car.

Im 18 with no no claims need fast car low insurance group!?

im 18 (just) been drivin a year on mums policy no smashes no points no nothing i just sold my car and i been looking at honda crx's insurance turned round and said NO!!! grrr kill them. but yeah i got 1.5k to spend on a decent car with low insurance group? any ideas? cant really find a website that compares speed and insurance group, any ideas welcome thanks in advance!!!""

Can i cancel my car insurance due to changes made in their policy that has skyrocketed my insurance rate?

Just got a package from my insurance company of my new payment schedule for the next 12 mths. Somebody please tell me why i went from paying $249 to $360 a month for car insurance? Sounds absurd ! There is no way in hell im paying for that . . . my questions is, if this is in fact true, can i drop my insurance company at any point in time because the price went up WAY TOO HIGH (i will no longer be able to afford) ? PLEASE HELP!!!!""

""20 years old, considering seeking psychological help but have no health insurance and low income?""

I'm a 20 year old college student who works part-time at Best Buy. I consider myself intelligent and talented but I've had difficulty focusing for as long as I can remember and have struggled to self-motivate, or maybe just to see a point to anything, for at least the last 4 years. I'm tired of feeling this way and I want to do something about it, in the form of seeking professional psychological help, but I have no health insurance and very little income. I guess what I'm looking for is any government program that might throw me a bone, any kind of budget therapy, somewhere that might give me a free consultation or diagnosis so I'd at least know what I was dealing with, or just general empathy from people my age in a similar boat.""

How much is my insurance going to go up?

I messed up, and rear ended a car. The cop said that while it was my fault, and I admitted that, it's largely because of the crazy intersection. Anyways, my car doesn't have a scratch but the other car's bumper completely fell off (It was a cheap car, so I'd estimate the damages at about $500 at the MOST. If that effects anything). No one was hurt either. I'm insured by AAA, but I'm a 17 year old so I know it looks bad. I've never gotten in an accident before, and I've been driving for almost two years. How much can I expect it to go up? ANY general idea would be nice. Thanks!""

Cheap reliable and low INSURANCE!?

OK im 17 monday after next and im a bloke, hence very expensive car insurance. I want a second hand car in the UK which is cheap and likely to keep running. Also low insurance because i am a cheapskate.""

Car insurance estimate for a 2006 BMW 325i for a 17 year old guy?

My mom is being stubborn about getting a quote because she wants to wait until i'm 18, but i don't. I live in Louisiana if that helps. Thanks a lot.""

Insurance and tax for a corsa?

im looking at buying a 06 (56) Vauxhall Corsa 1.4i 16V SXi 5dr for a 1st time car and was wondering how much would insurance, tax and a MOT usually cost for this kind of car?""

How much would the insurance cost for a 2005 Mazda rx8?

Cheapest car insurance for 18 year old in NYC.?

I'm 18, I had my license since I turned 18 in december, I have a clean record and my mom wants me to register my car on my name so it can be cheaper for me in a few years.. I don't wanna pay 200$ a month though, when she only pays like 90$ right now.. but I know since i'm young it will be alot. She has a clean driving record also and she's been driving for a long time, so she will also be under my policy.. I know that kinda helps me out a bit. If you know any cheap/good companies, please let me know!!""

Why want the Republicans work with the Democrats to get a good health care system in the U.S.?

Is it because the Republicans are behind big business?

No proof of insurance?

I have legal insurance, but my policy was just renewed so I need my new cards that prove i'm insured. They are in the mail I assume, but they won't get here in time before I have to leave on a trip to NV. I tried to go online and just print the cards, but their site has been down for many days and I can't get on to print my cards. So my question is: If for some reason I get pulled over (not saying I have a reason to get pulled over) and I don't have those cards, since I do have insurance does the fine get dismissed? Also, since I cant technically prove I have insurance do they have to take my plate?""

What is good to have with car insurance. what features i guess i should say...?

i am 26, drive a 2007 altima 2.5s sedan with 30,000 miles on it. clean driving record and had my license since 17 with zero tickets if that helps. ------------------------------------------------ This is what I am paying with progressive auto: Coverage & Premium Information 2007 Nissa BODILY INJURY & PROPERTY DAMAGE LIABILITY $296.00 BI $50,000 EACH PERSON - $100,000 EACH ACCIDENT PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT MEDICAL PAYMENTS $5,000 EACH PERSON $20.00 COMPREHENSIVE ACV LESS $500 DEDUCTIBLE $65.00 COLLISION ACV LESS $500 DEDUCTIBLE $336.00 LOAN/LEASE PAYOFF COVERAGE $33.00 25% OF THE ACTUAL CASH VALUE UNINSURED/UNDERINSURED MOTORIST $22.00 $50,000 EACH PERSON - $100,000 EACH ACCIDENT UNINSURED MOTORISTS PROPERTY DAMAGE $3,500 $6.00 ROADSIDE ASSISTANCE $7.00 Premium by Vehicle $785.00 Anti-Fraud Fee $0.90 Total Policy Premium $785.90 -------------------------------------- I think i am paying too much for car insurance?! about $130 A MONTH! Is this just about right or can I get lower better insurance or do i actually need something more?! let me know what you have and how much you pay and how you are covered. thanks""

About how much do you think insurance would be for a teen for state farm?

the car would be anywhere between from 1997 and 2002. I'm 16, a girl, had drivers ed, and have grades that qualify for the good grade discount, and am going to get my license soon. im looking at cars and want to know how much it would cost for insurance...do you have any idea how much it would cost?""

I cannot find any cheap car insurance quotes?

Does anyone know any cheap car insurance companies?

How much do you pay for your motorcycle insurance?

I just check for a quote for a cbr 600 f4 I wanted to buy and it quoted me $2,200 a year! Does that sound right? I'm 19, live in New york city, male. Whats your state, age, bike model, gender, and insurance rate?""

What kind of insurance do you have and do you 'like' it/is it good?

I want to switch insurance companies, but I don't know how to decide what to switch to. Insurance is such a confusing thing to start with that I need to find a company that is helpful as well as affordable. I'm looking for a company to cover automobile and homeowner's insurance, and if possible life insurance too. Thanks for the help.""

Who Pays For Your Medical Insurance?

Another one...who pays for your medical insurance?? The place i work for pays for my full coverage with NO out of pocket expence on my part and NO money taken out of my paycheck? Does your company also pay for you or do you have to pay some out of pocket money?? If i had a choice i choose them to dock me my half hour lunch as long as they are paying for my medical insurance..thats more important to me..What do you think??

Car insurance for 16 years old in california?

I am turning 16 soon and getting my license and a car. I just want to know how much insurance is for me per month for triple A without any tickets or accidents. My dad already has insurance is there a family plan?

Do you think i could get a used car and insurance with under $3k?

i really need a car to get around, i have full time job, n part-time student. It's getting to my nerves that whenever i need to go somewhere, i have to ask my brother or sister to take me. Yes i am a student 18 yo, i don't have much money, and my parents refuse to buy me a car, reason because my mom said insurance is too expensive, and she doesn't give a shitt about me. Do you think i could get it anywhere? i was thinking about buying the car 1st then insurance later on because i can't afford it. idk what should i do?""

Why do people in the US waste money on car insurance?

There are 5 states such as California where 25% of the public has NO car insurance...while the rest of the country has an average of 7% uninsured. Obviously no one is enforcing insurance so...why bother getting insurance at all. Isn't it cheaper to have none..and more un-American to have it? After all, Americans generally think they should not have to pay for anything, so why pay for anything at all?""

Car Insurance cost for 18 year old?

I'm 18 and am a beginner in driving and my dad wanted to set up my insurance. The car i would be using would be my dads 1967 Oldsmobile cutlass (classic Muscle car). So i was wondering how much insurance would be at my age with the car i would be using, and with no bad previous record for accidents and/or tickets.""

""Having a driver's license, but no car? Insurance question.?""

I'm 18 years old and currently have my driver's license and pay car insurance on it under my parents insurance plan. I want to know if it's possible to sell my car and stop paying for the car insurance. Is it possible to have a drivers license, but not be paying for insurance? I wont be driving any cars, I'm going to get a motorcycle. I live in Florida.""

Best way to file claim for Allstate home owner's insurance?

My husband and I have minor storm damage to the roof over our master bedroom. And now water has managed to get into the wall and is making the sheet rock bubble up, as well as causing cracks in the ceiling in that one particular spot. Allstate sent an insurance agent out and they said that after our $1,000 deductible they are only willing to pay about $400 over the cost to fix it. So...should I get a contractor to assess and give me a quote, and then re-file a claim with the insurance adjuster? If so, how should I go about doing that?""

I am looking for car insurance for a courier?

this is different from regular insurance.. is there any service that offers just courier insurance. one who uses their car to make deliveries

Best public health insurance plan in nyc?

I've been traveling after college and won't go back to school for another year. I've been volunteering only and haven't worked for over a year. I don't qualify for ...show more

What is homeowners insurance declaration page?

im getting a loan but im not sure what a home owner's insurance is

Car insurance in household with 3 licensed drivers and 3 cars?

I just purchased a 2000 Honda Prelude Type SH, and while I am prepared to pay the cost of a full insurance premium, I am wondering if there is any way around insuring myself as the primary driver of this vehicle, when in reality the driving will be split between my mother and myself. We have two 2001 Grand Prix's, both insured under RBC in my father's name, with my mother and myself on the policy as occasional drivers. So I suppose my question would be whether or not my father or mother can insure my vehicle and add me to the policy the same way I am on it for the other two cars?""

Does anyone know where you can purchase GAP insurance for your car if your auto insurance doesn't offer it?

I bought a 2006 auto a couple weeks ago and when I called my insurance co. to add it, they said they could add GAP insurance, too. (which I need) Now they are saying they can only add it to a NEW car, not used. Anyone know if I can purchase strictly a GAP policy to cover my car? I don't want to switch insurance because of discounts having my other car, homeowners, etc. through them.""

Cheapest car insurance please?

hey i hope some1 can help me out. i am 22 years. i recently passed my driving test, on the 21/07/2009. i also bought a car honda civic. 1.4l i am looking for the cheapest car insurance possible. because i am full time student. and work part time. i wouldnt be able to afford paying 2000 annually. please if some1 knows where to get cheap car insurance for new drivers, would be very appreciated cheers""

What auto insurance coverage is mandatory in the state of Florida?

I know (PIP)- Personal Injury Protection and (PDL) property damage liability is required and I thin uninsured motorist coverage is required but I'm not sure about bodily injury liabilty

Why should a healthy person buy health insurance in 2014?

Because Obamacare eliminates pre-existing condition exclusion, why should a healthy person buy health insurance in 2014? Doesn't it make sense to save your money and buy insurance only once you need it?""

Can you drive a car home you have just bought without insurance?

If i were to buy a car could i drive it straight home with no insurance, if i was going to sort it out when i got home. obviously don't want to sort out insurance for a car i haven't seen or payed for.""

How much does Viagra cost without insurance?

How much would the insurance cost for a 2005 Mazda rx8?

Our daughter has just passed her driving test ( aged 21 ) does anybody know of any cheap insurance companies ?

We are willing to buy her a small car but the insurance quotes she's getting are idiotic.

I am looking for the cheapest car insurance for a u/25 driver?

Should car insurance be mandatory?

Auto insurance should never be mandatory. Of course you may say What if you get into an accident ? Without car insurance, families can save that extra money in case of an emergency. If a person gets into a 2 car accidents through no fault of his own, the insurance rates will skyrocket. In any case, you will usually pay more for insurance than you would have paid to have your car fixed at an auto shop. This policy also unfairly discriminates against the working poor, many of which are one pull over away from being arrested or having their licenses revoked. If a person with a revoked license has no other means of transportation, it may lead to unemployment thus costing us all. This would keep them in the vicious cycle of poverty and deprive them of their dignity as adults. This is why we should abolish laws requiring car owners to have insurance.""

Can someone please explain deductibles and coinsurance for medical insurance to me?

I'm getting health insurance for the first time on my own, so I really don't know anything about it. I tried having the woman from the insurance company explain it, but it still makes no sense to me. If I have an annual deductible of $2,000/$4,000 and my out of pocket max is $4,000/$8,000 what does this mean? And my coinsurance is 20%?""

Insurance rates for 2003 F150?

Ok, so I'll start off by saying I'm 15, and when I do turn 16, I want to get an F150. My question is, what can I expect to be the insurance rates on a car like that? I've read from multiple websites that despite being a truck, it has decent rates because it's extremely safe and is reliable. Can anyone give some information or direct me to a website that would help me out?""

Where to find affordable complete health insurance?

i am looking fior affordable health insurance, like as in family. i am looking online, but so far have come up with nothing. they are dropping my insurance at work, so i need to find something. if i have to go online to find it, that is ok.""

Now that health insurance companies must give a rebate to companies for group plans?

that don't completely utilize coverage, according to an obscure audit formula, will those insured under the group plan feel guilty if they have to use it and it affects everyone in the plan's annual rebate check? And how will insurance companies make up for this loss?""

Will my Insurance go up if my son (22yo) gets a license but does not drive?

My son is going to graduate from college (in May) and wants to get his license taken care of now since he will have some free time. However, he does not actually need to drive (and will not be doing any driving until he gets ready to move out), and neither of us want to pay for the insurance rates right now. Will just him having a license cause the insurance to go up even if he does not drive and does not need to be insured? Thanks for your time!""

I'm 18 and need auto insurance.?

I'm 18 and am about to buy a new car. I'm still under my mother's insurance, but am planning to get off of her insurance. I'll probably end up buying a clunker car that doesn't cost much. Here's my question: Do auto insurance companies allow drivers to get off their parent's insurance plans and get one of their own? My mother isn't very cooperative about paying for car insurance. I need to buy my own insurance. She WILL NOT cooperate. Will this be expensive? How would I go about changing the plan?""

Does anyone know approximately how much liability insurance costs for an old school VW Van?

I'm looking into buying a 1979 VW Van/Bus, I was just wondering what kind of insurance I'm looking at.""

Would not getting your permit prior to getting your license increase car insurance costs ?

I know there are many things that increase insurance costs but would not getting your permit prior to getting your license be one if them? If so how can insurance companies tell you didn't get your permit first ?

How does an Alabama ticket affect Washington insurance?

I got a speeding ticket in Alabama last day of August for doing 52 in a 40, $200. I have two previous wrecks, one was not the considered my fault and my rates did not increase, one was weather related but my rates did increase. I am 20 years old and have no previous tickets. I know this will go on my record and that my insurance company will see when my policy is renewed, but I want to know if it will dramatically increase my rates? WA state does not operate on a points system like Alabama does so I'm confused on how it will transfer over. Any help is appreciated.""

How is mandating health insurance socialism? Why is no one rioting about car insurance?

Healthcare is still run by the private sector. Just more people will be able to get it. How is ensuring everyone has insurance socialized medicine? Healthcare is run by the private sector either way.

Help on insurance?

does anybody know were i can find an affordable full coverage insurance in Los Angeles? its for an Escalade.

Auto insurance rates in USA?

Which auto insurance costs more?

Auto or commercial... My insurance company has my pickup labeled as a commercial vehicle but its an auto. Which is cheaper before i dispute?

""Okay so sent off for my provisional license and thinking about cars and insurance now, just need a little help?""

Okay so I'm 16, turning 17 very soon and going to start driing lessons soon, but I need a car after that and I'm going to have to pay the majority of the insurance and the car myself. I only have a part time job where I work thursday evening and saturday mornings at like 6.00 an hour. What car is a good car for a person my age, what about insurance for that car how much is that going to cost? Overall what would you say is the total amount I should save up in order to get a car and decent insurance? Thanks :)""

Can i get insurance to drive any car?

My current insurance gives me third party cover on any vehicle i drive with permission from the owner. Can i get full insurance? (i am thinking of setting up a business which would require me driving other peoples cars) THanks

Do you have to pay motorcycle insurance all year round?

or just during the summer?

Wwhat are the characteristics of disability insurance ?

Is my insurance company responsible !?

I recently submitted a claim to my insurance company an it was rejected . At some point during some severe weather something struck our roof causing water to enter . The rain water caused the sheetrock ceiling to crack and start to collapse . We were told by our insurance provider that this was caused by a manufacturer defect . The manufacturer checked the damage and disagrees . I also disagree being that we have lived in the home for four years and this the first appearance of water . what should I do next ? I have already submitted statements from the manufacturer . The insurance company has also declined to renew our policy because of the damage .

""I crashed my car, and Got a DUI. Will my insurance pay for repairs?""

I crashed my car into a tree, and got an OWI (more commonly known as a DUI in most states) My insurance (USAA) will request a police report, i know that much. But I want to know if they are obligated to pay for repairs, regardless of the circumstances? Yes, i know my rates are going up. Yes, I know about SR22. \thanks""

Who offers the best life insurance in Illinois?

simple enough. ive done my research and the best i can find is either American Income Life insurance or State farm. anyone have either of these and think they are reasonable?

Can I use my car that is under my dads car insurance?

Since i'm a new driver and 18 years old. My insurance rate will be up and can be very expensive. Can my dad just put his name and stuff on my soon to be new car? (Subaru BRZ) after all he is paying for it so technically it's his I guess lol

Is car insurance issued in one province valid in another?

I can't afford insurance in Ontario. The basic rates for males under 25 are the highest in all of north america. I was thinking of changing my legal address to Manitoba to apply for their insurance whilst forwarding all my mail to my actual address. I can't take public transit, I live and study in the suburbs. I'd also have to bike 20kms each way to work otherwise. I was quoted between 6000-8000$ /year despite no accidents,tickets and choosing a relatively cheap car to insure.""

How much would the insurance cost for a 2005 Mazda rx8?

Information about health insurance for 20 year old?

i just went to ehealthinsurance.com to look at health insurances for just myself. they have alot of stuff that i do not know what it means like plan type. which plan type should i get: ppo or hmo. next they ask about the deductibles. what kind of deductible would u recommend getting. i have no idea what a dedectible is anyways. they also have a catergory about coinsurance and office visits. if possible maybe you could just log into there as a 20 year old and tell me which is hte best insurance for its price. im really desperate i have no insurance and dont want to take the chances. thank you

What kind of cars are good for teens insurance wise?

I know it depends on where I live and many other variables but I'd like to know in general what gets the best rates. I'm looking at a 1993 chevrolet s10 5speed with a 4.3l v6 right now but I don't know how the insurance would be on it yet. I'm 18 years old in Canada and I've been driving for 2 years total (1 year g1/permit 1 year g2 class license) and now I'm about to go for my full g license. What should I be looking for? import/domestic? engine size? number of cylinders? cars or light trucks? size of engine in relation to size of car? I thought I might get some relief on the s10 since it's domestic, manual (less people want to steal?), I can make some extra money at work, and since only 3 people can fit (originally a 2 seater) less people would be injured in an accident? I don't know, what do you think i should be looking for?""

Is AARP a good health insurance plan?

I'm in my 20s, any suggetions of a good health insurance coverage plan? hospital, perscription, the whole nine!?!?""

How much would car insurance on a 2006 convertible mini cooper cost for a 16 year old boy?

in the state of texas

Does a ticket for not wearing a seatbelt increase auto insurance?

I am 18 years old. I have had my license for almost 2 years, and I have never gotten a ticket-until last Sunday. I was one of 4 people sitting across 3 rear seats in a car without our seat belts on. I live in CA and I have AAA insurance. Does anyone know how much this ticket is likely to cost and whether or not I will receive a point on my license? And most importantly if the rates will go up?""

Car insurance question?

My mom finaced a car for me in Montana its in her name but i pay the car payment. I live in Colorado. even though she has car insurance already on the car in her name... can i get full coverage in Colorado in my name? so say fro example if i crash it The car will still be covered. is that against the law? please help. thanks

Insurance and baby drama?

My boyfriend has another daughter that is placed on his insurance as is our daughter. Will this other kid effect my daughters benefits for being on his insurance along with the other kid?

Switching Dental Insurance?

So I will finally be getting benefits from my workplace and I got the dental insurance where it will cover 50% ortho for adults because I am planning to get braces. The thing is, I am finishing up my last semester to get my degree from college and looking to get a new job. My question is, how does it work if I were to get braces with my insurance NOW and then get a new insurance? Does it still cover the costs or will it carry on over? What will happen?""

How can I cancel my geico car insurance?

I pay for my geico car insurance every six months because I save some money instead of paying monthly. Here is a thing I am going to out of US for 3 months and I do not need insure my car however I already paid for the 6 months.

""Why do all of my friends get cheap car insurance, but not me?""

ok so my problem is, I am currently on a provisional license (in the UK of course) and literally all of my friends that are driving currently are getting insurance for less than 2k a year. (male, 17 years old, living in west cumbria, same as me) and that is with the same cover I am looking at... comprehensive cover as a named driver on a parents car. I have tried everything, even looked at the same cars and the qoutes are still almost double. this does not make sense... why the bloody hell do i have to pay 3500 quid a year for a poxy 500 quid car when all my mates only pay 1500 a year on the same thing!!! my postcode is ca28 by the way, which is a grade c postcode area for insurance, same as my friends. they seem to use aviva, i got a qoute from them, 300 a month, they got 150 a month. even those that have passed their test get cheaper insurance than me. please help. ste""

Is my car legal to drive in California?

I bought a '79 El Camino in Oregon this past summer. They don't have any smog laws there, but in California they do. It hasn't passed a smog test because it needs a catalytic converter, and I can't afford that now. The tags don't expire until March, the car is registered to me, and I have insurance. And it still has the Oregon plates.""

Insurance when buying a used car?

I'm going to buy a used car next week from a private seller and I am concerned about the insurance. I've heard that you need to have insurance to drive it but what should I do? I am 20 years old and I've looked up temporary insurance and most of them you have to be 21 years or older and some are around 200 for 1 day cover but you have to have a Full UK Driving Licence for at least 6 months when in my case, I've only had it since yesterday as I passed my test yesterday. So what should I do? Get the full insurance and tell them this cars registration number or not get insurance at all and assume I get 7 days free insurance when buying this used car from the private seller?""

Life Insurance?

I had a child in 2007.. is it necessary for me to get life insurance? Why.. and what is the best carrier (in your opinion) to use? Also, what rules do I need to know before I opt to get it? Thanks.""

Do you need motorcycle insurance in florida?

i plan on moving to florida really soon, i am from n.j. and i heard i wouldnt need insurance, is that true? are there any circumstances where i would need to get insurance?""

About how much will auto insurance cost me?

For an 18 year old male, about how much will car insurance be for a pre owned certified toyota corolla?""

Do you need insurance to take the Texas Driving Test?

I'm gearing up to take my drivers test, but I'm not sure whether I need insurance for it along with my VoE, Birth Certificate, ID, & SSN""

""Has anyone bought insurance from Insphere Insurance Solutions (MEGA Life, Alliance for Affordable Services?""

I met with an agent yesterday and Googled the companies he represented, and saw so many complaints from both agents and consumers that my mind is spinning. I own a small business with only two employees. I don't want to be ripped off by some sweet talking insurance salesman, but if he is honest (chuckle) and his products are as good as he represents, then I would consider this option. If you've had any experience with these companies, I would like to hear it... good or bad. Thanks.""

How much could I save by switching to GEICO Car Insurance?

Do you need car insurance to borrow someone's car?

Like if I were to borrow someone's car, would I personally need car insurance (like from my own car), or only if the owner of the car had insurance would that be okay if I drove it? I live in Illinois if that makes any difference.""

I have insurance for a car I had for 6 days. The insurance co. says it's a total loss. They gave me a value?

Audatex is not kelly blue book they look at craigslist & not the dealer. Craigslist sometimes has cars where a mechanic might not catch it but is damaged. The price I paid is higher due to getting sick & credit went down so I had to go to a local dealer with higher interest. They want the insurance check plus $1700.00 & interest. So I will pay for this thing for over 1 1/2 years. I had it 6 days when some crazy driver almost hit me I turned & hit a wall. The insurance company says I loose my good driver discount. Since I will have to wait to pay off this car I can cancel my insurance once the dealer gets the check. Is there any California law that would say if this happens I would be able to pay off the car. It's worth more as a loss then to try to fix it. Please help. Thank You.

Whats the cheapest non-owners...?

Car insurance?

How much would motorcycle insurance be for a 17 year old?

I was looking at either a 2011 Kawasaki Ninja 650R, a 2011 Yamaha FZ6R, or a 2009 Suzuki SV650SF. I live about 50 miles away from Washington D.C. in the suburbs. My grades are A's and B's and I'm in 2 AP classes. I've never had any traffic violations for a car, not that it really matters when dealing with a motorcycle.""

Car insurance for a 17 year old boy?

Hello Yesterday, I passed my driving test and am, of course, really looking forward to driving. I spotted a Renault Clio I liked with a 1.1 litre engine. It's nothing special, just a first car (which would mean the world to me) I was always aware insurance was going to be a struggle. I insured myself with Provisional Marmalade while I was still learning, so I could drive my mum and dad's car as additional practice. Prov. Marm. have another part to their company, Young Marmalade for newly passed drivers, apparently giving you the best quotes, however I couldn't find anything under 3000! I am a 17 year old boy living in the Northeast of Scotland, one of the most common places for a collision in the whole of the UK. However, I am not in anyway a dangerous driver. My dad has been driving for 50 years and told me he feels very safe while driving with me as a learner, and I always stay within the speed limit, with the exception of if I don't realise I'm doing over the limit. My mum and dad have been saving some money for me for about 10 years, but it's only about 1300, and I don't have any more money apart from that. It's not going to be enough and I have really been let down by the insurance, because that Clio I saw was 600. The lowest quote I managed to find was 1634.70 a year from the Co-Operative Young Driver insurance, and with that you get a device fitted in your car to monitor how you drive, and if you drive within speed limits, and safely, I guess your monthly cost comes down a little bit. Anyway, I'm waffling on here. My question was, does anybody know of a REALLY good insurer for 17 year old boys who would: -take their price down for one of thse devices being fitted -offer decent discounts for Pass Plus or an Advanced Driving course? A car and amazingly cheap insurance would mean the world to me at the moment, because there's nothing worse than the feeling of only getting 1 minor fault on your test then realising you can't drive due to the greedy bastard insurance companies. Thanks for all the help.""

Wich is is best life insurance ?

wich is is best life insurance ? MY AGE IS 32

I only have liability insurance and was hit by another car?

I only have liability & when the other guy hit me he ran away on foot leaving the car. I made a police report and they gave me the other party's info. Now his insurance is saying they can't help me until they know who was actually driving his car. What can I do to get my car fixed because it is not drivable? Can I get a rental car? Can his insurance deny me completely if they don't find the driver?

How much would the insurance cost for a 2005 Mazda rx8?

https://www.linkedin.com/pulse/whole-life-insurance-policies-janice-stone"

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