>That’s a major road in Bloomfield. At 3:20am

Building set back far enough to avoid notice.

> your non-jewish neighbors are enraged by this cowardly act

Thank you. And thank you for keeping us safe.

Thank you you very much for this valuable feedback! I indeed mainly looked at the population. I will improve according to what you wrote!

Edit: Dropped Franklin Twonship and added New Bunswick. Added Camden and dropped Cherry Hill.

It's a 2019 F-250 pickup (private use/non-commercial). Do I need an inspection based on that info? Thank you for the above info!

“Me against my brother. Me and my brother against my cousin. Me and my cousin against a stranger”.

South Jersey > Philly Suburbs > NJ > East Coast > USA > Earth > united federation of planets

Go Birds!

I won't mind my PSEG bill this month. Snow days are something that seem amazing in my mind, but it just ends up messing up schedules and being a huge mess. The only part I enjoy now is the first peaceful hours after a good dump of snow has settled and I can just look at it out the window.

[deleted]

They also increase rates to sustain their profits. I said this directly to an insurance company I had and rhe rep said you're correct. I had Amica one year as I got a great rate, no tickets or accidents and the next year they raised the rates to double what it was. I dropped them and went back to my old company

Honestly, I wouldn’t wait on it. You could be putting those savings towards your move, friend! The “beauty” of capitalism is that if you don’t like a business, you can walk away and find one that works for you. Car insurance is set up like that, and Geico will keep charging you until you’re fed up and decide the annoyance of shopping around is worth it. Doing it twice could save you money, but maybe if you choose a national provider, they just need to update your info and wouldn’t change your payment? Not sure but worth a try.

I've been waiting all day for this post.

No you don't need it inspected. Registration needs to be done first.

Then, depending on the car you may need to go for inspection. (if its a couple of years old and not an EV, the answer is yes). YES, you may potentially get stopped without the inspection sticker, but unless you are a dick, no cop is going to write you a ticket for it once you explain stuff, and every court will throw it out if he does, as you will have 30 days to get it inspected.

No you can't drive it until you go to DMV to register it.

Edit: also you can't park it in a public space until its registered. So your driveway, a parking garage, whatever is where it needs to be. Even in your driveway some towns may have rules against an un-plated vehicle (again rarely enforced unless you are THAT guy).

Edit2: and if you HAVE to park it on the street, i'd stick a note in the window saying "just purchased, going to DMV tomorrow, please call with any questions" and your phone number. Again, depending on your town and the cop, it may save you a ticket or a tow.

We’re moving in a year (out of state) so I’m trying to hold out another year to make sure I’m getting the BEST rates for us in the new area.

Definitely American first. Honestly, it bugs the hell out of me that we do or don't have certain rights simply because of an arbitrary line on the ground. We're all Americans; the rights I have here should be the same as the rights someone has in Oklahoma or Nevada or whatever.

Good stuff!

Thanks!

I’m a nobody person who’s around your age. The best thing I ever did was leave Geico and shop around other insurance carriers. Geico wanted to charge me 100% of my car payment as my insurance payment after 1 minor accident. (I would’ve been out $700 a month for my car)

Progressive (I’m not sure if they still do this) had a program where you insert a device on your car and they track how safely you drive (no hard stopping, no sudden fast acceleration) and if you drove well to their grading, they would increase or decrease your rates. Mine lowered, while my moms got worse so it’s not for everyone and you need to be really conscious driving. I pay $60 a month with a family plan and it goes lower almost every year, even when I had an accident in 2018 (with geico). Even without a family plan, I still suggest shopping around.

Start a new email for this cause you will get bombarded with emails. Shop around different insurance carriers. Get rates in emails and leave Geico. Geico will gouge you.

Take the title to the DMV with proof of insurance and get the truck registered in your name, pay sales tax, and they'll give you the plates on the spot. Then you should have a few weeks to get it inspected.

Are you on a private or public well?

Public information: https://www.ewg.org/tapwater/

My roommate made an anthem for New Jersey because of how highly I speak of home

I'm an insurance broker, within the past 6 months I've had a lot of clients reach out asking for me to re-market their insurance due to higher premium rate increases.

I suggest you reach out to a broker like me, as they will have access to many carriers and can shop around. If your a homeowner, I suggest bundling with your home carrier to take advantage of all discounts.

​

You mention your paying $209/mo with 1 accident on record. That seems in line, but a lot depends on your zip code.

Really similar!! I’m from Monmouth county and I had the same thoughts. I don’t say water like my south jersey friends “wooder” lol but comments from Texas, Florida, NC/SC it’s apparently clear as day I’m from NJ.

Yeah but this isn’t like a personal thing,

I work in insurance as a rate analyst, I review my companies filed p&c rates as well as our competitors, geico included.

The second half of 2022 for the insurance industry was very rough on auto lines. Companies are seeing combined ratios well over 100 (CR measures profit, a cr of 110 implies you spent 1.10, for every 1 of premium written, it’s the loss+the expense ratio), and essentially driving levels have returned to pre pandemic levels, but we are seeing much higher frequency and severity of crashes. Tack onto that the rising cost of rentals/ loss of use coverage payouts, supply chain issues extending repair times and therefore increasing costs, and the lack of skilled labor causing labor rates to rise all result in the rate need for auto.

While it certainly doesn’t feel fair or just, the rate increases insurers take are justified. And if geico is raising rates say 15%, odds are their actuarial support indicates a much larger rate need to maintain profitable books.

It’s really only very recently that companies have started pushing for their full actuarial indications as rates. Insurance rate was a hard sell the past couple of years with the various state DOIs

Also depending on all of your characteristics, your individual increase may be higher than someone else’s, but it’s all filed, anyone else with your same history/characteristics is paying that price/ receiving that rate increase also

Also I can get the actual answer, but I’m almost certain geico has taken auto rate in more states than not, so it’s not nj, Geico in any state is more expensive this year than last upon renewal

Im like this but more central. Maryland to nyc maybe as far north as Connecticut.

Weird how so many “better opportunities” bring people to NYC or even Philly, but they end up living in New Jersey (maybe not your case).

North east coast more than nj more that USian

Omg really nooo. Sorry I kinda live under a rock but wow ☹️

I didn’t realize I had a “New Jersey accent” until I went to grad school in the midwest. Being from the shore, I always thought we had relatively weak accents compared to North Jersey or the South Jersey near Philly.