u/Dairy_Dude

29 YO Male - I’m shopping auto insurance in PA and wanted opinions on whether I’m over insured or if this is a reasonable setup. I currently have full tort, 100k/300k/250k liability, uninsured 100k/300k stacked and underinsured motorist coverage at 100k/300k (unstacked), full coverage on a 2025 Camry Hybrid with $1,000 deductibles for both comp and collision, rental reimbursement at $60/day, roadside assistance, and loan/lease payoff coverage. Monthly premium would be about $562/month if paid in full for 2 vehicles in the Philadelphia area. Does this sound excessive, reasonable, or would you change anything?

I do not own anything significant and rent at the moment - no retirement plans, yet. Just my car. Bring home around $4500 a month, $18k in savings. No kids. Single.

I made one of the most egregious mistakes by financing and over paying for a car last year and have been living in constant stress and regret ever since. I think I may have a way out but it is going to cost me big money - I would like advice to see if i am making the right move here.

Currently I owe $35k at 12% with 57 months left. Payment is $836 - Insurance is $385 - rent is $750 (yes my car note is higher than my rent, sadly)

I bring home around $4500 a month after taxes

I have around $18k in savings, mosty from my second part time job which covers half the payment and rest goes into savings

my plan is to sell the car to Carvana and write a check for the difference of about 10-12k in negative equity - it's going to hurt but I think for my overall mental health it will be worth it.

I have a gap reimbursment of about $900

am trying to see about canceling the extended warranty for a prorated refund

I have a used car I came into possession of recently but high mileage - concerned about reliability?

my family said it is a dumb idea to get rid of the car and drive the beater until I can save for a nicer car that I can afford, but have no idea how much my payment is and how much stress I have been in making these payments.

on the surface I know I will miss the luxury the car has offered me but on a deeper level I know this is what needs to be done for my long term financial and mental health.

any thoughts and advice is greatly appreciated.

Title says it all really - am weighing my options on switching to a Prepaid plan from my Premium 2.0 plan. I have an Iphone 16 Pro Max and Apple Watch. My current monthly bill is $92.76 with my signature discount, $29.50 total.

I never use my hotspot and am ok with giving up the watch line - cellular on the watch is a gimmick IMHO.

My Prepaid plan would be $240 for the year - Paying upfront.

I think my only issue would be the 16GB data cap at 5G speeds. looks like I trend around 35GB a month.

any thought?