I think you get tickets with BRK.B too. A friend of mine sells the tickets he gets on ebay and says that's a bigger dividend than the stock will ever pay :)
I have a feeling it's a rigged industry, and has very powerful lobbyiests. (That part after the comma is true in California.)
I'll start:
1. age 50
2. no moving violations.
3. bare bones legal minimum in CA. (15-30-5)
4. $550 year, with a Covid credit of $6.30
5. I'm with Mercury.
(I looked into pay per mile, but I don't have a computer in my vechicle.)
1 speeding ticket
Full coverage
1080 a year
Toyota
If you borrow money for the car, the lender might require coverage for the car itself. I pay for $500k bodily injury and $100k property damage liability only coverage for $40 per month per vehicle for 10k miles per year.
I had Geico on the east coast at a similar price ($50), but they were more expensive on the west coast so I switched to Amica.
Car insurance is extremely regulated and transparent. If you think you’re getting ripped off, go to a different website and shop around.
Also, auto insurance has the lowest profit margins of any type of insurance.
- type / year / color of car (gives price and your attitude)
- how many km driven / year (no risk if it stays always on your drive!)
- where is it parked
29, Clean record for 7+ years, 2013 honda civic, $1140 a year with Geico, in DC/NoVA.
Gender famously matters too - a 18/M is (statistically) likely to be a worse driver than a 18/F. Rates reflect this. Having once been a 18/M, I have no trouble believing this.
That said, it's very difficult to compare across states. Car insurance is regulated at the state level, so inevitably different states (or territories, or DC, etc.) have made different choices over time. You can do a dollars-to-dollars comparison between any two states but there's a good chance the elements of the policies and liability rules aren't the same.
I suspect there's also some adjustment to premiums done for how much it costs to repair things where you live. Medical care, building repair, and car repair are all things that likely come up a lot on claims. If you're some place where these are twice national averages, you might have higher premiums than you would in a place where these cost half the national average. In addition to the chance of a loss varying by location.
Also you are technically and legally a shareholder even if your broker holds the shares on your behalf as is usually the case these days, and attending any shareholders meeting is a legal right whatever the size of the shareholding.
Although just now they are online due to covid but I'm sure the physical meetings will return.
If you do hold 0.001 shares with a broker and you want to go you should request with them to be sent the annual report, also a legal right, and that'll have the invite card. Or if not you can phone Berkshire and ask for one.