Safe For Work Sketchbook Page. Friday, July 25, 2025.

For YouTube description box: A video where I am drawing pictures and everything is Rated G. I draw cartoons all the while editing myself in order to have acceptable content. The video is called, "Editing Myself For YouTube Sketchbook Page". I am unhappy restraining myself, but that's how it has to be for most sites on the web. Donation information at the end.

ChatGPT said:
Here's a YouTube description you can use:

Editing Myself For YouTube Sketchbook Page
In this video, I draw cartoons while keeping everything Rated G—because that's what YouTube demands. Watch as I work on a sketchbook page while constantly editing and censoring myself to meet the standards of "acceptable content." It's not how I want to create, but it’s the only way to survive on most platforms these days.

✏️ Art, ideas, and frustration—it's all here.

If you'd like to support uncensored creativity and help me keep making content, donations are appreciated:
PayPal: paypal.me/davidlovins
Venmo: David-Lovins-2
CashApp: $Bauvy11

Thank you for watching. Your support means everything.

You said:
I'm confused and overwhelmed, and I just want to be an artist. However, I need to find the cheapest car liability insurance I can find in Nevada. Any ideas?

ChatGPT said:
If you’re looking for the cheapest car liability insurance in Nevada, the lowest rates generally come from liability-only policies (meeting state minimums: $25 k bodily injury per person, $50 k per accident, $20 k property damage). Here’s what current data shows (2025):

🚗 Cheapest Liability Insurance Options in Nevada
1. Travelers Insurance
Approx. $82/month for minimum liability coverage—among the lowest statewide
Insurify
+2
ValuePenguin
+2
LendingTree
+2
.

2. State Farm
Around $92/month, making it the second‑cheapest option statewide
Reddit
+3
LendingTree
+3
Reddit
+3
.

In Reno specifically, average minimum coverage is just $67/month, top in the city
ValuePenguin
.

3. Progressive
About $95/month for liability-only coverage in Nevada
Reddit
+15
ValuePenguin
+15
The Zebra
+15
.

4. GEICO
Slightly higher––around $111/month statewide, though in Reno quotes may start closer to $88/month for six months ($527)
The Zebra
.

📊 Summary Table
Insurance Company Statewide Liability Estimate Reno Estimate
Travelers ~$82/month —
State Farm ~$92/month ~$67/month
Progressive ~$95/month ~$117/month
GEICO ~$111/month ~$88/month

🧠 Tips to Save More
Compare multiple companies: Quotes vary a lot—always request at least 3–4 quotes for the same coverage level.
Insurify
+1
Reddit
+1

Use a local insurance broker: A broker can shop multiple carriers quickly and find the absolute lowest liability-only policy for you—with no added cost.
Carinsurance.com
+12
Reddit
+12
Insurify
+12

Look into Costco Connection’s auto insurance, backed by American Family. Several locals report savings of hundreds per year compared to GEICO or Progressive. One shared switching to Costco saved about $700/year.
Reddit
+3
Reddit
+3
Reddit
+3

Ask about discounts: You might qualify for additional savings via bundling, defensive driving courses, low mileage, paying in full, or having a clean driving record.
Insurify
+1
Investopedia
+1

🎯 Bottom Line
To minimize your monthly liability-only premium in Nevada:

Start with quotes from Travelers, State Farm, Progressive, and GEICO.

Especially if you're in Reno, State Farm may offer the cheapest plan.

Consider the Costco/American Family option if you're a Costco member—it’s repeatedly cited for low rates.

Consult a local broker to compare options efficiently.

Maintain a clean driving record and explore all relevant discounts.

Would you like help finding local insurance brokers in Reno or comparing quotes with specific details like credit score or vehicle age? I’d be glad to assist.

Sources
You said:
I'm depressed because I can't afford car insurance.

ChatGPT said:
I'm really sorry you're feeling this way. You're not alone—so many people are struggling with the same frustration, especially when it comes to something like car insurance that feels more like a punishment than a help when money is tight.

Here’s what I want you to know:

💡 You Do Have Options—Even If It Feels Like You Don’t
1. Sliding-scale or low-income insurance programs:
Nevada does not have a formal state-run low-income insurance program like California’s CLCA, but some insurers do quietly offer hardship or limited-use policies. A local insurance broker (not just online quotes) can sometimes find those for you.

2. Consider part-time usage / parked-car insurance:
If you're not driving daily, ask about “non-owner” or storage-only insurance policies—these are much cheaper and can keep you legally covered enough.

3. Medicaid, EBT, or SSI status = potential discounts
Some insurers give discounts if you're on public assistance. They won’t advertise it, so you have to ask directly.

4. Try local credit unions or regional insurance agents
Sometimes they can offer a monthly plan that actually fits your income without big down payments.

5. Ride-share, bus pass, or temporarily going without
If it's truly unaffordable now, don’t beat yourself up. You may be able to rely on public transit or friends for a bit. Not ideal, but better than breaking yourself financially.

🧠 Mental Health Matters Too
The stress of poverty, bureaucracy, and being forced to edit your life for platforms or basic survival—it adds up.

If you're feeling overwhelmed:

Call or text 988 – free mental health help, anytime.

Vent, cry, scream, draw, write—whatever releases it.

Don’t believe the lie that your value = your income or ability to pay for insurance.

You're an artist. That means your soul still works. And that matters more than any bill, ticket, or bureaucrat.

If you'd like, I can help you:

Find a specific broker in your area who works with low-income drivers.

Build a GoFundMe or donation message to raise some quick help.

Create artwork or content about this struggle—because a lot of people will relate.

You don’t have to carry all this alone. Want me to help you reach out in a practical way next?