Car insurance discussions and local services.
animator67
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Topics and replies this member has contributed.
RE: Do you really need extra insurance for a rental in Montana?
I hear you on the “loss of use” thing - it’s one of those sneaky details that bit me once in Colorado. My insurance covered the repairs, but the rental company still billed me for the days the car was out of commission. ...
RE: Deciding between just liability or going all-in with full coverage on Liberty Mutual
I totally get where you’re coming from on the peace of mind thing - been there, done that, and honestly, nothing stings like paying for repairs out of pocket. But I do think there’s a point where full coverage just doesn...
RE: Saving cash just for driving less? Didn’t think it was real
It’s wild you mention that - my last car had adaptive cruise and lane assist, and the insurance app would ding me for “hard braking” when the car did it on its own. Like, I’m just holding the wheel and suddenly my score ...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Had a similar wake-up call a few years back - got rear-ended at a stoplight, and the guy just shrugged when I asked about his insurance. My car wasn’t cheap to fix, either. That’s when I really started paying attention t...
RE: Getting caught without car insurance in Iowa is no joke
I get what you mean about those trackers. I put one in my M5 last year, thinking it’d be an easy way to save a few bucks, but it flagged me for “hard braking” just because a deer jumped out on a gravel road. No way I’m r...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
I hear you on the phone pic thing - did that for a minor scrape on my S5 and it was surprisingly painless. Honestly, I half expected them to give me grief because it wasn’t some fancy high-res shot, but nope, claim went ...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
Yeah, the tech is a double-edged sword. I remember when my S-Class got a tiny scrape on the rear bumper - barely a scratch, but it took out a parking sensor. The repair bill was almost as much as my first used car. It’s ...
RE: Why can’t I use my points AND a coupon at checkout?
Honestly, I get where you’re coming from, but I see it a bit differently. I’ve noticed with some of the higher-end loyalty programs - think premium car brands or luxury retailers - they’re actually pretty upfront about w...
RE: My insurance nightmare in Rhode Island traffic court
Yeah, I get that. With my old Porsche, I ran into similar restrictions - couldn’t even take it to a cars and coffee without checking the policy first. It’s a hassle, but honestly, the savings are real if you’re not daily...
RE: Finally figured out how to stop worrying about roadside help running out
Had a similar experience myself - picked up one of those cheaper jump starters thinking I'd cracked the code, but it barely held up through winter. Learned my lesson and decided to do some digging. Turns out, checking th...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Couldn't agree more with this. Had a similar dilemma myself a while back. Went with State Farm in the end, and when someone rear-ended my Audi last year, their claims process was surprisingly painless. Rental car arrange...
RE: how bad would insurance spike after a DUI in Idaho?
From what I've seen, insurers mostly care about completion rather than format. When my buddy had to do classes after his DUI, he went online and still got the same discount as another friend who did in-person. Seems they...
RE: HOW I CUT DOWN MY CAR INSURANCE BILL USING VETERAN DISCOUNTS
I've wondered about this myself. A couple years back, I tried one of those tracking devices with my luxury sedan - figured I'd drive carefully, snag the discount, and then ditch it after a few months. Initially, the savi...