Car insurance discussions and local services.
aecho28
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RE: how accident forgiveness works in NM and why it's saved me cash
The “first accident” wording is the part I’d want clarified, especially since several people mentioned waiting periods. Does the benefit apply only once for the life of the policy, or can it reset after another claim-fre...
RE: How is ACV not just a fancy way to pay us less?
Man, I’ve run into that wall too. Had a modded WRX a few years back - dumped way too much into upgrades, but when it got totaled, the payout was laughable. They didn’t care about the receipts or anything. I’ve heard of a...
RE: WHY DOES PAYING MONTHLY COST MORE THAN PAYING ANNUALLY?
Yeah, I totally get that “punished for being careful with your money” vibe. I once tried to switch my car insurance from annual to monthly payments when cash was tight, and suddenly the price jumped way up. They called i...
RE: Saving a few bucks on insuring your vintage ride
Never thought about keeping both, honestly. I just snap pics on my phone and toss the originals, but now you’ve got me second guessing that. Out of curiosity, has anyone actually had an insurer accept a scan without any ...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Yeah, Houston’s rates are wild compared to other Texas cities. I’ve heard it’s partly the traffic and weather - like, more flooding and hail claims than Dallas or Austin. Plus, there’s just more accidents here. I get why...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
Yeah, that “actual cash value” reality check stings a bit, doesn’t it? I had a similar wake-up call after my last fender bender - thought my ride was worth more, but nope. You’re right, unless it’s something special, the...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
Cutting My Car Insurance Bill In Half - Didn’t Think It Was Possible Here Man, you nailed it about those “hidden” discounts. I swear, every time I mention I’m shopping around, suddenly my “best possible rate” drops like...
RE: Do you really need extra insurance for a rental in Montana?
Man, I feel this way every time I’m behind the wheel of a rental, especially in places like Montana where you never know when a rock’s gonna jump up and ding your paint. I’ve had my fair share of “uh oh” moments - one ti...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I hear you about the DRP shops. Had a situation last year where my insurance “preferred” shop was basically just trying to slap on the cheapest parts and get me out the door. I ended up with a bumper that didn’t even lin...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Man, you’re not kidding about the garage thing. I got dinged for “street parking” on my last renewal - like, sorry I don’t have a three-car garage in the Heights. I’ve played around with my deductible a few times, but ho...
RE: Little-known trick with Progressive’s roadside help
Yep, totally agree. I’ve had Progressive roadside show up when my car was rocking aftermarket wheels and a pretty loud exhaust - no one cared. Honestly, they just wanted to get me out of the intersection. As long as your...
RE: Finding decent car insurance in Delaware without losing your mind
Yeah, I hear you on the “included” roadside stuff - it always sounds great until you actually need it. I’ve had similar issues, especially after a fender bender last winter. The manufacturer’s service just bounced me bet...
RE: Someone smashed my parked car - deal with insurance or call the cops?
Yeah, I’ve noticed some companies get way more nitpicky if your car’s older or if you bought it used. I had a claim a couple years back and they wanted to see proof I’d kept up with basic stuff - like brakes and tires - ...
RE: is accident forgiveness really worth it in Ohio?
I get where you’re coming from. I used to think accident forgiveness was just a money grab, too, but after a couple of fender benders (yeah, not proud of it), my perspective changed a bit. I’m not saying it’s a must-have...