Totally get the point about local insurers, but honestly, as someone driving a higher-end car, I'm always wary about smaller companies handling claims smoothly—especially in Hawaii. Had a friend whose luxury sedan got rear-ended, and dealing with a smaller insurer turned into a headache when sourcing genuine parts. Sure, saving money upfront is tempting, but anyone else worry about the trade-off between affordability and claim quality when labeled "high-risk"? Curious if others have had similar experiences...
Yeah, totally hear you on that. I've seen cases where smaller insurers struggle with luxury car claims—especially sourcing OEM parts out here in Hawaii. Sometimes the savings upfront just aren't worth the hassle later... I'd stick with a reputable company, even if it's pricier.
"Sometimes the savings upfront just aren't worth the hassle later..."
Couldn't agree more. Learned that the hard way a few years back when I went with a smaller insurer to save a few bucks. Ended up waiting forever for OEM parts after a minor fender bender—total nightmare. Honestly, paying a bit extra for peace of mind is worth every cent, especially out here where shipping delays are already a headache. Stick with the big names, you'll thank yourself later.
That's a good point about OEM parts—hadn't really considered that angle. I've mostly stuck with bigger insurers myself, but has anyone had decent luck with smaller companies if you specifically request OEM coverage upfront? Curious if that's even an option...
I've actually looked into this quite a bit since I drive a luxury car and OEM parts are a must for me. A few thoughts based on my experience:
- Smaller insurers can offer OEM coverage, but you usually have to explicitly request it upfront—it's rarely standard.
- Be cautious though; some smaller companies might say "yes" initially, but when you read the fine print, there could be restrictions or higher deductibles attached.
- Definitely ask them directly about their claims process with OEM parts. I've had one smaller insurer agree verbally, but when push came to shove after a minor accident, they tried steering me toward aftermarket alternatives.
- Also, keep in mind that adding OEM coverage might bump up your premium noticeably, especially if you're already labeled high-risk. For me, the peace of mind was worth it, but your mileage may vary.
Bottom line: yes, it's possible with smaller insurers—but do your homework carefully and get everything clearly documented before signing up.
