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How can i get my car insurance down ?

"How can i get my car insurance down ?

I am 18, male, and just past my driving test, yeah the odds are against me already for insurance. I have Pass Plus, no convictions etc. I can't go under anyone's name because none of my parents drive. I work as a supervisor in retail. I live in Edinburgh and will be parking on a private driveway. No matter what car i choose, wheather it be a 1.6 Honda CRX Del DOL, the car I wanted (more chance of winning the lottery than getting insurance for it) or a crap 80's Fiat Panda 1.0 each quote is between 2,000 - 7,000, so should i just snap my Licence or is there something to bring it down ?

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

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I recently had a car accident with my brand new 4WD vehicle. The front part were badly damaged and is now in the manufacturer's garage. Good thing I didn't get any physical injury as the vehicle's air bag went off just on time and my comprehensive insurance will cover for the agency repairs. My question is, assuming that I'll never encounter another major accident for the next 11 months, how much(more or less) would I pay for the vehicle's insurance renewal next year after it has been assessed by a qualified individual. As early as now, I want to have an idea how the insurance company will compute for my insurance renewal and what are other factors do they consider say I paid them around $1,300 for this year's fee. I hope someone could give me an idea re insurance renewal and other pertinent info re this matter.""

Car insurance!! :(?

Right...Passed my test.. got myself a lovely corsa sri 1.4 16v But i cant get it bloody insured with a good quote! Best ive found was quinn-direct with 2700 per year.. thats with pass plus? does anyone know some really good car insurance companies that will insure me for that kinda car? baring in mind im only 17 =[ Thankssss.. Any help greatly appreciated!

Best way to insure my boots are kept in good condition.?

I just bought some nike hypervenoms and received them today. I just started breaking them in today by just walking around my house but I really want to make sure I take good care of them. I usually take really good care of my boots, but I just want some good tip and maybe some good product as well to use. I know my mom won't be happy buying me new boots after buying these ones, so I want to insure the longest life I can out of these.""

How can i get my car insurance down ?

https://www.linkedin.com/pulse/my-speeding-ticket-affect-insurance-rates-isaiah-lyons/"

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somedaypast-thesunset · 7 years

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so he calls me and asks whats wrong. and i feel like this is trapping me because i cant express anything but by not expressing it it creates a cycle. i told him i didnt want to go to the park tomorrow. to me, i expected like an oh well whatever and i’d watch some videos and go to sleep.

but now he was starting into his shit again. and hes telling me its not okay im not referred to a psychologist and that the doctor is not enough. but its like.. he does not understand clinical depression. like he doesnt understand how far depression can affect every single thing in your life and to explain this is an excuse. like why didnt you do xx today, why did it take this long to do this, why do you nap so much etc. and its like.. im tired. im really tired of being alive. and you should be fucing grateful that im sitting here today talkng to you because everyday is a choice to be alive. i AM choosing to be here DESPITE everything that says i shouldnt. despite everything that makes it super hard.

but its all an excuse. its all “defeatist”. but its like.. i dont sit here and tell you word for word what ive spoken about or what has been said to me. the first few visits were in the understanding that i was clearly really really fucked up. like i believe the doctor believed that i was very close to commiting suicide but i was functioning at a level that i didnt need to be tipped over. like he had a real chance of helping someone in need and he jumped at the opportunity. and the trust had to be built - he asked me questions about my life and the history and we had to dicuss in depth my mother whom i have not spoken about in 7 years.

and like part of my problem is beating myself up. like .. wow i was such a shitty kid, i was a terrible daughter to my mother - i must have been the things she said i was and that must have contributed to the eath of my father so it must be my fault. do i “believe’ this? like reallyyyy believe it? no. cuz im not dumb. these people lived their own crazy lives. but this was my life for 25 years. TWENTY. FIVE. not like oh i had a break and was a drug addict for 7 yrs. no. all twenty five years, every damn day of my life was dedicated to these people. every. single day. my own mother tried to have the cops do something for me 4 months before she died because she knew that the relationship i had with my father was detrimental on like a next level.

but how do you turn away from a sick person? how do you do that? he said i should feel pride. i should feel like i had strength and look at it as positive. which is fine - it’s fine. but dont you see? dont you see i put in TEN YEARS of UNPAID WORK to have a man DIE? do you know what i got from the responsiblity to other people? to be on another persons schedule? to live another persons rules?

nothing. absolutely nothing. and ive seen “grown men” decide to stop working for months at a time because a job let them go for a reason they didnt agree with. like they got “fucked”. but i really got fucked. and yu now what thanks i got?

people like him telling me i didnt do anythhing but watch tv and smoke weed. youre right. i did. in between making meals and cleaning up blood and shit, i smoked weed and watched tv. that was my only fucking solace because i could not go away for longer than a night without serious concern for my father. but i smoked weed. and i watched tv. so that means i didnt “work hard”.

but the thing is - no one my age has been a full time caregiver. no one. not a single person can tell me what its like to be a caregiver or how i should feel or what the ‘right amount’ of work is. in reality - if you believe i smoked weed and watched movies and he was always “going to die anyways” then how much “work” did i do in the decade he wasnt dead? how did i manage an entire decade with a man hell bent on killing himself? tell me how i didnt “work”.

and im not into this argument anymore. i will not allow a single person on this earth to speak on my time with my father. not a single person knows ANYTHING about this time except me and my father and hes dead. and i cannot speak solely on it. thats just my word. so i will never argue about it. believe what the fuck you want because if you dont believe me theres not a damn thing that can be done to change your mind and i dont have to care becaue i know what i did i know the time i spent with him.

but he continued telling me he thinks i should be working and i should be trying harder. i am frustrated - how do i explain the massive concept of trauma and severe depression? do you not understand that “everyones” reaction is part of the problem and stigma of depression? this is why people are suffering in silence - well he goes to work but hes a sever alcoholic. he wants to die everyday but damnit he still goes to work.

and its like none of this at all in any capacity makes me feel different about the world aroun me. why do you want to die? why are you still working and wanting to die? whats the point? because youre ~not dead yet~? awsome. that really gets me going. that sparked the flame right back up inside of me. i cant believe i never thought of that - might as well do it because i’m not dead yet.

and you think its procrastination. that its inherent laziness. do you not think im procrastinating on suicide then? perhaps im just waiting it out? maybe im waiting for the final nail in the coffin; my last reason. either give me a reason to live or give me a reason to die but you know im in purgatory right now.

and thats part of the problem - i’m asking for a reason when i should make a reason. i create my own reason. and i know that. i have worked very very hrd to solidify the concept in my brain that i have to make my own reason - no one will provide a reason and more so its not okay to have someone provide it. because someone could die or leave and then what? you make your own. i made the mistake of putting my reason into a dieing man. and i waited far too long to pull back. even when i wanted to nothing was ever as important, nothing ever fulfilled my life and soul like knowing i was responsible for this person. i had a purpose to be here.

he continued. continued. continued. i finally broke down, “im sorry - you called me. i was sitting here a little sad about to wath fucking gta videos and go to sleep and probably wake up in a different mood. now youve called me and made me so upset that im now in a panic attack and sobbing and contemplating my self worth. how does this help me?”

“this is just my opinion. im allowed to express my opinion when youre life affects me.”

and he continued but continually tried to reiterate that he wasnt attacking me or my methods. it sounded more like frustration and inability to understand. like he was unwilling to accept that as a depressed person i struggled on my own to find a trust worthy doctor after having issues with doctors my whole life. then i allowed this person to help me but it wasnt like.. in the movies. this is not like fairytale romantic manic depressive pixie dream girl. like u loved me so hard i got this help and magically became amazing in 30 days and forgot all my troubles.

this is serious trauma. this is serious trauma that now that we are getting even older has become even more detrimental because i did not even realize how traumatic it was until i learned to be “apart of society”. by “being apart of society” it triggered dozens of things in past trauma that i did not even understand as being traumatized and thus had serious depression and anxiety about issues unrelated to people just being dead. its not like oh my parents are dead and im sooo sad. no. i have a very complex grief that spanned decades and to even expect me to remember what happened to lead me to the conclusions i have now immediately and just convey this to a professional and have them give me a once over and this is how to fix it is soooo naive.

this will be a very long process that involves more than doctors visits. he acknowledged i needed daily assistance to overcome my issues and that my own isolation for so long has prolonger and increased social issues that im not getting around on my own. he told me i needed to “grow up”. i told him i agreed. i said it was very frustrating to be me and know that this was fucked up and still be doing it because i didnt have the tools beyond myself to figure out how to “grow up”. like this is all trial and error for me. no one held my hand and protected me and patted my ass when i came home strung out and fucked up. no one sat me down and told me to put a smile on. i was not in any way shape or form parented by anyone. i have never had a parent. i have been completely independent and have thought indepndently for as long as i can remember. i have always dealt with my issues on my own and have had to care for someone for ten years starting as a teenager. in those ten years i never failed to pay a bill or do something i was supposed to do.

okay. so this is just me. and i would love to have a parent. i would love to have someone who knows more than me around. someone who gives a shit. but i dont. so its just me. and whatever i think is right which has been convoluted by a dieing man and mentally ill woman. thats my foundation. so im sorry if im not a fucing university graduate building a 401k driving a car with my own house. im sorry. u know im sorry im not even a fucing fast food mcdonalds employee highschool graduate with 10$ in a savings account and money on a bus card.

but bitch. i’m still here. i’m mad as hell and i’m still fucking here. thats literally the greatest accomplishment for me on a daily basis. its my biggest accomplishment and greatest anxiety. im still here.

i told him again - all of this was making it worse. the real issue i had was having no one to talk to at all. no one wanted to listen to me. everyone wants to tell me what to do or how i should think or some negative opinion because theyre envious that i get ‘free money’.

and the doctor had to convince me to get disability. i told him the people around me felt i could work. he said he did not believe in any way i was capable of holding a job right now and listed a number of reasons why he believed i couldnt, most having to due with symptoms of sever depression. in a switch side, if i listed these reasons i would be told theyre merely excuses by other people and that “they were tired too”. which is why he had to reiterate a number of times to fuck what other people thought. no one has to live my life but me. in reality its disgusting that people continually look down on or disrespect me outright for collecting benefits while they pity me for having issues. it’s hypocritical and bullshit.

finally he said that he wanted to see me do better and wanted to encourage me to find ways to cope with these times of serious depression. i told him that i do have ways to cope - but this is real life and its not always successful. but yet, i have been successful - i’ve not self harmed this year. not because it was “a fad” but because i actively choose not to do that to cope. this is a choice i make during every anxiety attack. this is a sign of strength i have this year i did not last year. so perhaps i spent four hours crying but i did not cut myself or attempt suicide so all i did was spend four hours crying. just so i could be alive right now. so who cares that i spent four hours crying lets be grateful im here now. who cares that it took five days to mail a letter - i mailed the letter. thats what matters. you dont even know that ive been given disability forms twice before that were NEVEr MAILED. fuck they werent even FILLED OUT. so not only did i get these forms, i had them filled out and then i MAILED tHEM. 100% BY MYSELF. my momy didnt help me. i didnt get any fucing drives to the doctor. nothing of this process was made easy in any fucking way. and i did it. so does it matter that ti took five days? absolutely not. even if it took five days, in 60 days do you think itll matter if im accepted? when i have those benefits, do you think itll matter i took 5 days to mail the thing? fuck no. because i mailed it and got the benefits

LET ME CRY. LET ME BE SAD. acknowledge i exist with this sadness!! do you not understand the pain of being ignored when you’re suffering!! i told him that i try to be a good listener for him - i let him speak about whatever he wants, whenver he wants in which ever way he wants to speak about it at the time; if he feels very angry and upset at something and expresses that, i dont later hold him to it and say “well u were angry about this before now ur not how come”. i said i never express my opinion because im a listener just listening so i acknowledge him and if i think hes doing something that is harmful to him i say something like “i dunno if thats a good idea” or “i wouldnt personally do that” or “thats gross” (usually used in context with an elaborate idea involving sex or drugs).

he paused and said that was true and i did do that. i told him i just wanted someone to listen to me. all i really needed to be “helped” was for someone to listen without any preconceived notions or opinions they wanted to put on me. just accept the words im saying and perhaps if possible express some empathy of some kind because they understood the sentence i put out in the world and maybe they can say something like “i bet this thing happening to you would cause this feeling.” to demonstrate that they understand the connection between an event and the reaction to the event and that i am not an insane weak dumb person for having an emotion. no one does this for me. no one. including him. and i believe at this moment he understood, finally, that no one does this for me. including him. tht i am a good listener, that i do not bring him down and allow him to be his own person until i think something is harmful and then i try to express to him my serious concern about his thoughts but not tell him hes a bad person for those thoughts. hes not lazy or stupid or evil. i tell him based on personal knowledge and experience why i think its harmful and rarely is it based just on a personal opinion. like i dont say dont do drugs cuz its bad. i say dont inject drugs, dont take drugs on a regular basis - all very valid safety concerns in the use of drugs. it is not “dont do drugs”. because i know that for something to matter to someone long term you have to create your own purpose. he cant not do drugs for me or any other person. he hs to not do drugs for himself. but i can encourage better use of drugs.

finally he apologized - an apology that has been maybe a year in the making. he said he realizes now that being aggressive and negative about things is not helping anything and that he should be encouraging about positive things in order to promote me actually recovering. he said he was “man enough” to admit that he was wrong and that this is something he should work on to better support me because he believed i was making an effort.

but it was a very good example of something that was small that couldve been handled differently that became a massive overwhelming issue. his bottom line was that i should see a psychologist. i told him i would tell my doctor that the person closest to me in my life is saying they believe i need more/additional help than whats being provided because they want to know the person im seeing to get help is specialized in helping people like me. thats totally fine request to make. im not going to argue that the doctor is “enough”. i dont know. maybe hes right. maybe i need to talk to even more people. but to tell me this on top of “blah balh you get welfare you smoke you nap all day etc.” is horrendous and backwards. should i see a psychologist to tell them what an asshole you are and that you probably cause alot of grief in my life?

like how my doctor thinks of you right now?

he couldve just said hey you know i can see youre trying but i want to suggest maybe asking your doctor to refer you to a psychologist again because i think itll be helpful for both of us.

like he wanted to help and was roadblocked by the fact that i had no coping mechanisms for him to bank on. so he was coming in blind and frustrated that he is not even normally capable of being a good “shoulder to cry on” and now he had no instructions but he still had a very sad girl to worry about. and this doctor didnt “give me” any coping mechanisms so what good is this doctor if he cant “fix” the issue he has to deal with now.

but there is no coping mechanism. theres no like “turn on this song and ill be okay”. theres a variety of things i can try to do, not all of them will work, but one will. one will bsolutely because if one does not, ill be dead. one is always going to work even if the one is time. just waiting it out and battlign it in some meditative state. but one will work.

like he disregarded alot of reasons for what i do as like some general thing i just “like”. like some random thing in my head that makes me like it. and im obsessed with watching specific gamers on youtube. i do not play video games. like i have almost no interest in video games. i dont care who the fuck wins. i dont care about the mechanics of a game. i will watch the most boring ass games like a shitty flash game or a fucing terrible job simulator that is just the most complicated system of buttons and bullshit to move a fucing tractor and i would never even remotely consider even trying to play the game let alone download it or install it.

but here i am. hours a day. watching games i will never play by men i will never meet. and i trid to explain this - its “sad” to you that im going to go watch these things. but to me its like.. a graduated version of something that can be simplified with penny lane’s quote, “if you ever get lonely you just go to the record store and say hi to your friends”. like ive always held the idea that music and sound is a constant familiar. so i have specific sounds - much like people have specfic smells or tastes. as a kid my fathers keys jingled in his pockeet and i could hear this jingle from anywhere in the store. like my ears trained to it because i feared getting lost but if i could hear it i knew i was okay. a bit older i grabbed on to all my favourite bands but what i found was after years of doing things, familiarity felt like visitng a grave. like nothing changed. it was so familiar it was stale, it was a nostalgic memory i was visitng and not being embraced by a warm hug. many of my favourite bands broke up and stopped releasing new music.

i told him that the sound of these mens voices was calming. like i had alot of isolation and listening to music or whatever didnt seem real. but here are these real life people who have their own things they do and that happen to them and everyday they pop up and talk about nothing. NOTHING> they come and be like “hey so today we’re going to build a room” or “so today we’re going to race this virtual car” and nothing in the game matters and like people get “mad” but no one is mad. because nothing in the game matters. you die, you come back.

and like the attitude of these people helps. like “damn im in last place today BUT ILL GET YOU” because nothing in the game matters. or maybe you feel invested in some grand feat theyre trying and they dont get it and theyre like ah shit well gotta keep trying. so ive focused on specific gamers who rarely are offensive or loud or otherwise unwatchable.

but he brushed it off a bit, “yeah, yeah, its someone with a comforting voice” but the tone of his voice hinted at jealousy; like why wasnt it him? why couldnt he just play a video game and make commentary and ill feel better? why does it have to be these guys?

and maybe because i dont know them? they will (potentially) never do me wrong. maybe one day they’ll stop recording. theres a small chance theyll say something super offensive or racist. but i mean theyre never going to personally attack me. theyre never going to point me out and say this girl is fucked. i can be their friend without being their friend. i get to be apart of inside jokes and funny conversations but never actually apart of it. i get to feel like i’m not alone while being terribly alone. and i dont think im necessarily choosing this above other things to cope - i think it’s what i’m “making due with”. i found something and it takes such little effort.

im honestly at a point where i am waiting. my current perspective on life is that people are absolute fucking pieces of shit who have little regard for anyone but themselves or their own kind. however there are 7 billion people on the planet and it would be “racist” so say “all humans” are pieces of shit. so like.. a lare majority of humans are pieces of shit and there are a few who are actually good souls but when you have 7 billion ppl and like 100,000 are good - who the fuck cares? thats like a drop in the bucket. to act in the world as though you are encountering those 100,000 ppl on a daily basis is a set up for failure and thus how it creates the cycle of 7 billion pieces of shit because “self preservation”.

from what i have honestly seen of the world - fuck the world. hands down 100% i have absolutely no desire what so ever to participate in society. i have experienced some terrible shit and i have seen and heard some even worse terrible shit and the positive DOES NOT outweigh the negative at all in anyway. the only reason people care about me in any way right now is because i am considered a “burden” to them by having issues. i dont want my issues. i hope i recover and become a mentally sound and healthy individual. because i do not in any way want to be involved with people on a whole. like if i can afford to live alone and buy my own food and not struggle as i have been - i’m done. i’m sorry. i’m waiting to leave society. i realized how disgusting people are and have lowered myself to using them when i can for like the very basic theyre willing to do (despite what i put out i never get remotely the same in return) and when i am capable of supporting myself i honest to god dont thin ill do half or more of the things i do now “for people”. thats the thing - i’m now waiting to isolate myself further because the experience ive had says there is nothing there for me. if i want to live, ill be living alone, secluded and isolated.

because honestly? im not fucing with a single person who did not fuck with me during this time. fuck. you. you let me struggle and suffer alone and youre soooooo happy im on benefits now? no. youre not. youre more than likely going behind my back and talking shit about it anyways but you think im “cool” or “talented” so you’d like to be associated with me. but you dont want any of the “drama” or “baggage” so youre not even really a fucing friend.

the only thing keeping me going right now is the idea that maybe before the end of the year, i wont have to do _this_ anymore. ill get my own place, have my own food, live my own life and i fucking deserve it no matter how much the pieces of shit cry about it and how they dont get it because i dont “get” half the shit they do in their lives and never have. the pieces of shit will always be pieces of shit and they will never stand to see someone have something they dont.

i learned about myself that i like to cook. i like buying ingrediens for food and trying new recipes and i can do that alone. i can just eat nice food on my own. i like to play guitar but i like to play for myself not to share music. i dont get anythng from sharing. its a totally personal experience just for me. and not having the space to be alone to play guitar is depressing. i like animals. i want to learn to travel by myself. i have literally never gone anywhere by myself. LITERLLY. LIT.ER.ALLY. i have never gotten on a bus to another city and been in that city by myself. just like.. existed in the city by myself. NEVER. but i cannot learn this if i cannot travel and i cannot travel without some sort of purpose behind it. i want to go back to making art for me not because im the artist who makes art. i saw a movie by myself for the first time ever last week.

it took 10 yrs to have experiences that 18 yr olds do. im not “living like a teenager”. its that i NEVER LIVED AS A TEENAGER to be able to become an adult. and now that i am an adult i cannot make teenage mistakes.

and thus we give the highest of praise to the singular best accomplishment of my whole life:

not pregnant. do not have kids. not a drug addict. not an alcoholic.

do you understand at all the HIGHEST OF CHANCES i had to have children? i was a naive girl with no parental supervision, no outlet for myself, super emotional & depressed.

then he tells me, “you know, learn from your parents”.

bitch i did. my mother was 25 years old when she met my old ass father and MARRIED HIM ONE WEEK AFTER. did i do this? she did this KNOWING he had little to no feeling of love for her. this bitch had been abandoned and fucked with by her family sooo much she was like the only way out is with this guy and she grabbed on to him and NEVER FUCKING LEFT.

so bitch.

i did.

im 27 yrs old. youre 26 yrs old. i live on my own. you live at home. ive never been pregnant. ive never been married. yep - my mother and i did not “work”. that is a serious flaw we shared. she also never acknowledge the SERIOUS MENTAL ILLNESS SHE HAD WHICH LITERALLY ALMOST KILLED ME NOT LIKE FIGURATIVELY BUT LITERALLY ALMOST KILLED ME AND I DID NOT EVEN HAVE THE WHEREIWTHAL TO KNOW IT HWAS HAPPENING

so i did. i did learn from my parents. my father told me people are fucking terrible and they are. i learned. in fact i did not. i did not learn. i lived in a naivety that people are good. and people want to hear me sy people are good because god forbid they be considered shit but lbr.. you’re probably terrible. i’m pretty terrible. i am totally in limbo where i have like 6 months to a yr before this becomes “my fault”.

so youre right. i am waiting. im waiting to see what independence looks like and whether or not i’d fuck with people like this. and like all i can say is im glad it took 12 months to realize that you catch more flies with honey than vinegar. i did thank him. might as well put my own shit into practice - it doesn matter it took 12 months bcause he is admitting it now. and it makes me feel a bit better but at the same time i feel like an obvious statement is if you had known this even 6 months ago, how much better off might i be now? if the closest person to me in life was a positive rather than a negative, how much better would i be now? take some fucing responsibility for the fct that not only do i have to fight myself, but i have to fight through the negativity people like him put on me and decide despite what they aid to stay alive. not like feel a desire to want to because they reminded me of all the good things. i have to fight and be angry and create alot of bitterness towards them and live in spite. thats not fair. and life might be “unfair” and i “choose” to stay aroun someone who has consistently made things sooo bad but my god take 1 second to see it from my side. imagine if i had 6 months of positive reinforcement from the closest person in my life and a professional. i wouldnt have had the second hospital visit. i’d really be in a much better place than i am right now and its SUPER unfair to hold it against me that he cause damaged i had to fix before i could even focus on my actual issues. he held me bac and i allowed him to hold me back and prolong this process. im not even going to blame him like an excuse. i allowed him to hold me back. maybe i allowed it so i would have an excuse. if he tells me all the negative things i think about myself then its like reiterating that what i think is right. it deepens the depression.

but honestly having someone in his position - where he was very much becoming a second coming of my terrible parents, suddenly apologize and admit they were wrong is actually okay. that actually helps my life a bit. for a long time i wanted this from my mother.

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