Interesting point, but I've found insurers do vary quite a bit on this. When I switched to secured parking in Honolulu, the savings were actually noticeable—not huge, but definitely more than coffee money. Maybe shopping around a bit more could help?
Good point about secured parking—I've noticed similar results myself. But have you also checked into mileage-based discounts? A buddy of mine here in Maui was labeled high-risk after a couple minor incidents, and he found that cutting back on his driving and reporting lower annual mileage actually made a noticeable dent in his premium. Might not work for everyone, especially if you're commuting daily, but it could be worth asking your insurer about.
Also curious if anyone's had luck bundling their car insurance with other policies like renters or homeowners? I've always been cautious about putting all my eggs in one basket, but sometimes the savings outweigh the risk...depends on the insurer, I guess.
"Also curious if anyone's had luck bundling their car insurance with other policies like renters or homeowners?"
Bundling worked pretty well for me, actually—saved enough to justify the hassle of switching. But mileage discounts...do they really check? I mean, who's counting my weekend malasada runs as "essential driving"?
Bundling helped me out too, but honestly, I've always wondered about mileage discounts myself...like do they just trust you on that? I'm racking up miles with weekly road trips, but no one seems to notice or care.
"I'm racking up miles with weekly road trips, but no one seems to notice or care."
Yeah, I've wondered about that too. From what I've seen, some insurers do random mileage checks—like they'll ask for odometer readings occasionally—but others just seem to take your word for it unless there's a claim. Honestly though, I'd be careful about underreporting mileage. If something happens and they check, it could mess with your coverage. Better safe than sorry...especially if you're already labeled high-risk.
