Yeah, mileage limits can be sneaky. Had a buddy who thought he'd be fine taking his classic Camaro out for a few extra spins—ended up paying more than he bargained for. As for accidents, I've found insurers can be weirdly inconsistent about fault. Had one minor fender-bender (totally not my fault), and my rates jumped anyway. Switched companies and saved a decent chunk, though it was a pain dealing with all the paperwork...
Mileage limits are definitely sneaky, but honestly, insurance companies seem to find any excuse to bump your rates. Had a similar thing happen—someone rear-ended me at a stoplight, clearly their fault, and my premiums still went up. Makes zero sense. Did switching companies really help that much, though? I've thought about it, but the hassle of paperwork always puts me off...
"Did switching companies really help that much, though? I've thought about it, but the hassle of paperwork always puts me off..."
Honestly, I felt the same way about switching—paperwork and phone calls are my personal nightmare. 😂 But after my first minor fender-bender (totally my fault, rookie mistake), my rates shot up like crazy. I was pretty hesitant to switch at first because I figured they'd all be the same, but I eventually bit the bullet and shopped around. Surprisingly, it did make a difference. Not massive savings, but enough to feel worth the hassle.
Still, I get your point about insurance companies finding any excuse to hike rates. My friend had a similar incident to yours—someone else hit him, clearly not his fault—and he still got dinged with higher premiums. Makes you wonder why we even bother having insurance sometimes... 🤷♂️
Anyway, if you do decide to switch, just make sure to double-check the fine print on mileage limits and other sneaky clauses. Learned that one the hard way!
I totally get the paperwork dread—been there myself. When my parked car got sideswiped last year, I figured my rates wouldn't budge since I wasn't even driving. Nope, still went up. I shopped around mostly out of frustration, and surprisingly found a better deal elsewhere. Wasn't life-changing savings, but enough to justify the hassle. Just watch out for those sneaky deductible clauses...they'll get ya.
- Had a similar thing happen—rear-ended at a stoplight, totally not my fault, still got dinged on rates.
- Thought switching companies would be pointless, but turns out some insurers actually cut slack for stuff like that.
- Still skeptical tho... feels like a temporary win till they find another reason to hike it again.
