Finding decent car insurance deals on the islands - my step-by-step

I’ve always wondered if they really go back and check those logs too, or if it’s just a scare tactic. One time I forgot to send in the odometer pic for my daily driver and they didn’t even follow up - just renewed me like nothing happened. But then with my old pickup, they wanted three angles of the dash and a shot of the VIN. Feels kind of random. I get the logic, but sometimes it seems like they’re just fishing for a reason to hike the rates...

Feels kind of random. I get the logic, but sometimes it seems like they’re just fishing for a reason to hike the rates...

- Totally get where you’re coming from.
- I’ve had similar stuff - sometimes they’re strict, sometimes they don’t care.
- I always send what they ask, just in case.
- It does feel inconsistent, but better safe than sorry with insurance companies.
- Annoying, but I’d rather not risk a rate jump over missing a photo.

Honestly, I thought I was being pranked the first time they asked for a photo of my odometer. Like, what’s next - proof my car isn’t secretly a boat? I get the logic, but it does feel like they’re just making up new hoops to jump through. Still, I’d rather play along than get hit with some “processing fee” or whatever. Insurance is weird, man.

Yeah, the odometer photo thing throws a lot of people off at first. Here’s the deal:

- It’s mostly about risk - mileage is a big factor in claims, so they want to make sure you’re not clocking way more than you say.
- I get that it feels like a hassle, but honestly, it can save you from getting hit with higher rates or random fees later.
- If it helps, you’re definitely not alone. I’ve had folks ask if they need to send a selfie with their car, just to prove it’s theirs.
- Insurance companies can be sticklers, but sometimes these hoops actually protect you from getting overcharged.

It’s weird, but at least it’s not as bad as some of the paperwork from a decade ago... Trust me, it could be worse.

Honestly, I used to roll my eyes at the odometer photo thing, but after my neighbor got hit with a random rate hike because his mileage estimate was way off, I get why they do it. For folks like me who rack up miles commuting, it’s just one of those necessary evils. I’d rather snap a pic than argue with an adjuster later, you know? Still, I wish they’d make the process less clunky - some apps are better than others, but a few are straight out of 2005...