Car insurance discussions and local services.
adamdiyer
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Topics and replies this member has contributed.
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Yeah, I’ve noticed that too - insurance companies don’t make it easy to figure out what’s actually covered when you’re just sitting there waiting for a ping. I always thought if I wasn’t driving anyone, my regular insura...
RE: Would you risk a higher deductible to lower your insurance bill?
I get what you mean. I bumped my deductible up last year because my car’s not worth much either. Saved a bit each month, and honestly, I’d rather risk paying more once than keep losing money every renewal. Same here - m...
RE: Bundling insurance with USAA: worth it or just hype?
I get where you’re coming from, but I actually found the bundle discount with USAA to be better than what I got piecing stuff together elsewhere. Maybe it depends on location or age? My rate did go up a bit, but not more...
RE: Classic car insurance and the annual mileage cap - worth it?
I get what you mean - those car shows really add up fast. I haven’t tried negotiating a higher cap yet, but I’ve heard some companies are pretty flexible if you just ask. It’s kind of stressful keeping track, though. Jus...
RE: Do you really need extra insurance for a rental in Montana?
I hear you on the hassle. I’ve always wondered if the loss damage waiver is worth it, especially since my credit card supposedly covers rentals. But then again, I’d rather not deal with paperwork for weeks if something g...
RE: anyone else feel like AAA insurance isn't what it used to be?
I get where you’re coming from, but I’m not totally convinced regular insurance roadside is always better. My parents have AAA and I’ve used it a couple times - once for a dead battery and once when I locked my keys in t...
RE: Would your insurance hold up if your EV battery suddenly failed?
I’ve wondered about that too. If the battery just fails out of nowhere, does insurance actually cover it, or do they try to say it’s “wear and tear”? I can’t really tell where the line is... seems kinda blurry.
RE: Someone smashed my parked car - deal with insurance or call the cops?
Honestly, I never thought about the weather thing - kinda weird they’d ask that. I’m still learning all this, but my instructor said you should always call the cops if your car gets hit and the other driver’s gone. Appar...
RE: stuck between Geico and Progressive in NY, thoughts?
Honestly, I feel like picking between Geico and Progressive is just choosing which headache you want. My friend had Geico and they kept sending random charges after her accident - she had to call three times to get it so...
RE: Little-known trick with Progressive’s roadside help
Honestly, I get the whole self-sufficient thing, but I kinda trust roadside help more than my own memory. I’d probably forget to charge a jump pack too... At least with Progressive, someone shows up even if I mess up.
RE: Are Loyalty Perks With Insurers Even Worth It Anymore?
I’ve heard about that “loyalty tax” thing before and it kinda bugs me. Is there ever a point where it actually makes sense to stay put, like if you’ve had an accident or ticket? Or do insurers just treat you like a new c...
RE: lent my car to a friend, insurance got messy real quick
Yeah, that's definitely true - I never really thought about it until my instructor mentioned something similar last week. Apparently, some policies won't cover a driver under 25, even if they're listed as secondary drive...
RE: saving cash on insurance when you're young and broke
I'm still figuring this stuff out, but isn't liability-only usually enough if your car's older anyway? I mean, if repairs cost more than the car's worth, wouldn't comprehensive just be throwing money away? Or am I missin...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Yeah, there's something cool about figuring stuff out on your own... kinda part of the charm, right? Maybe the city's rules are well-intentioned, but classics have always thrived on a bit of DIY spirit.
RE: is accident forgiveness really worth it in Ohio?
I've wondered about this too, especially since I'm still pretty new behind the wheel. Accident forgiveness sounds reassuring, but does it actually save you money in the long run? Like, if you're paying extra every month ...