Wow, what a load of bullshit. I can't even get a decent quote for how much insurance would cost on a new car thanks to the shit questions they ask.
Here's one: When did your mother first get her driver's license? Oh wow, thanks assholes, because it really is relevant when someone in their fifties got their damn license. Here's another: If your car gets stolen, but you had liability, so no claim was filed and you weren't given the value of the car... How much was "damages" valued at? What, DAMAGES? You mean, how much was the car worth? How the fuck am I supposed to know? Well, I can't leave it blank, and I have no fucking idea what the car was worth. Here's another wonderful question... If you just bought a car, and you haven't owned a car in 6 months, and you are trying to apply for insurance on a new car, have you within 3 years time been without insurance for 1 month or more? If yes, well, when does your current insurance expire? HA, got you fucker. Oh, so you'll answer no? Even better, why the hell did you let your insurance lapse you deadbeat asshole? FUCK.
Needless to say, what quotes I can fudge to hell and back come up with jacked up prices. Geico was a pain and I ended up giving up on their site, Progressive required MASSIVE fudging and gave me the low price of $2000+/6 months (oh, and for the second time I've had them quote me a price did NOT have ANY comparison rates), and State Farm is by far the cheapest and least annoying, but quoted me at $168/mo. if I put a $2000 deductible on collision. Problem is, I fudged that one too, so who the fuck knows how much I'm going to have to pay?
I have a bad feeling that no matter what I try to own, because of the bullshit that's happened to me, I won't be able to afford insurance on a new car, and what's the point of having a used car? So it can get stolen again or slammed into again and I get shit on by the insurance company? I've already pissed thousands away on the three cars I -did- own. What makes this even worse is that I'm getting priced high because I'm a 22-year-old male, not to mention that I've lost three cars in less than three years.
Seriously, the nightmare only begins there. Someone slams into your parked car and totals it? Great, here's $800 for your troubles. Too bad that $800 will be absorbed back into whatever insurance takes you because, yes, your insurance goes up for accidents that aren't even your fault. Wonderful. Oh, your car got stolen? Too bad you didn't have liability or you could've gotten money for it. Oh, by the way, even though some crackhead thug stole the car for drug money and you didn't get shit out of your insurance, we're still going to charge you more for insurance.
Here's the scary thought, what IF the insurance on a car is more than I can afford? What if the payments on the car are lower than the premium I pay to some shit insurance company? As I said, I've wasted thousands on getting old cars that can just get totaled, break down, or get stolen and fuck me over even worse. I can't get a recent used car because I'll be shoving thousands into it, still have to pay higher insurance, and more than likely won't have any real warranty to work with, so you can throw maintenance costs in with it. Knowing my luck, the transmission would die 6 months later, if it didn't get stolen by then.
That's just it, I'm fucked. I'm fucked because some border-hopping fucker who can't speak a lick of English sped down a rainy road and slammed into some guy in an SUV who didn't yield right-of-way and totaled my first car. I'm fucked because I spent $2500 on a car that shit out on me, and not even what I expected it to shit out from. I'm fucked because some drug addicted bastard had to get his fix and stole my car to get it. I'm fucked because I'm under 25 and male and single, because apparently that allows them to compare me to some frat boy smashing daddy's ride.
Other than pissing money away on a car that wasn't in good shape, I don't get what I ever did wrong. My ass is paying for other peoples' mistakes. All I can do is go to the State Farm agent and hope that the shit I didn't say online doesn't hike the price up a few hundred dollars, but don't worry, it will.
The question remains, what do I do? Not own a car? That's going to fuck me over if shit causes me to lose this USC job, which judging on the last 22 years of my life, will happen (especially since I don't know many other places I can apply at).