"It was fine until he had a windshield claim...then it turned into a bit of a ping-pong match between the two companies."
Yeah, that's exactly why I've been hesitant about splitting policies. Saving a few bucks sounds tempting, but dealing with two insurers pointing fingers at each other? No thanks. I'd rather pay a little extra for the convenience and peace of mind.
I get your point, but as someone who's just starting out with insurance and watching every penny, splitting policies still seems worth considering. A couple things I've found helpful:
- Check reviews carefully—some insurers handle claims smoother than others.
- Ask upfront about windshield coverage specifically (learned this from a friend's headache).
- Sometimes bundling isn't actually cheaper, so comparing separate quotes can surprise you.
Might be a bit more hassle, sure...but if the savings are decent, I'd probably risk it.
"Sometimes bundling isn't actually cheaper, so comparing separate quotes can surprise you."
True, but from my experience, the convenience factor can outweigh small savings. Last summer, I had a minor fender-bender near Wilmington—nothing major, but dealing with two separate insurers was a headache I didn't anticipate. The back-and-forth calls, paperwork confusion...honestly, it made me rethink splitting policies just to save a few bucks. Might still be worth it if the difference is significant, but don't underestimate the hassle factor either.
Good point about the hassle factor—I've been tempted by splitting policies before, but your experience makes me reconsider. Maybe I'll crunch numbers again, but convenience does count for something, especially after an accident...
"Maybe I'll crunch numbers again, but convenience does count for something, especially after an accident..."
Fair point about convenience, but I'd argue that a bit of upfront hassle can pay off significantly. I saved quite a bit by splitting policies—just requires careful planning and organization ahead of time.
