Car insurance discussions and local services.
artist44
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RE: How much does comprehensive and collision add on an older Vermont car?
A 15-year-old car isn’t automatically assigned a payout based on its age alone. If it’s declared a total loss, the settlement is generally based on its actual cash value just before the loss; comparable vehicles in the a...
RE: Saving a few bucks on insuring your vintage ride
Never seen a real discount for stacking up on deterrents, honestly. I’ve tried mentioning my kill switch and wheel lock to my agent - just got the usual “that’s great, but it doesn’t affect your rate.” Feels like unless ...
RE: Is gap insurance worth it for new cars in Hawaii?
I totaled a car two years ago and was upside-down by almost $4k - gap saved my butt, no question. But honestly, if you’re putting down a chunk of cash and not driving like me (tickets, accidents... yeah), it’s probably o...
RE: Why did my GEICO premium jump so much this year?
Raising your deductible and cutting extras is one way to go, but honestly, I’ve been in the “high-risk” category for a while (couple of speeding tickets, one fender bender), and even when I tried that route, my rates bar...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Yeah, I get where you’re coming from. Insurers love to play the “occasional use” card when it suits them, but suddenly it’s a problem if something goes sideways. I’ve had my share of tickets and claims, and trust me, the...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I hear you on the privacy thing, but honestly, I’m not sure those apps would even help me. My driving record’s got more dings than my old pickup. Does anyone actually get a break with those tracking apps if you’ve had ti...
RE: is accident forgiveness really worth it in Ohio?
Yeah, it does seem like the car matters. My last claim was with a mid-tier sedan, not luxury, and the rate hike was rough but not insane. But my buddy wrecked his leased BMW and his premium shot up way more than mine did...
RE: What happens if your rideshare app is between trips and you get into an accident?
Man, you nailed it with the “sneeze near your phone” thing. I swear, half the time I’m just sitting in my car, app open, and it feels like I’m playing insurance roulette. The fine print is brutal - who actually has time ...
RE: stuck between Geico and Progressive in NY, thoughts?
Yeah, I’ve had the same experience - Progressive just throws out “rate revision” or “market conditions” and expects you to accept it. I tried calling once and got nowhere, just the same canned answers. Geico at least tol...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Insurance in Houston is just brutal, no matter what you drive. I’ve got a ‘15 Charger and my rates shot up when I moved here from Austin, even though my record’s not exactly spotless. They told me the same thing - weathe...
RE: My insurance nightmare in Rhode Island traffic court
Yeah, I hear you. I’ve had tickets dropped too, sent in all the proof, and my rates still went up for months. Ever notice how they’re super quick to raise your premium but drag their feet fixing it? I’ve even called them...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Has anyone actually gotten their “high-risk” label removed, or is that just wishful thinking? I’ve been stuck with it for years after a single ticket and a fender bender (also not my fault), and it feels like no matter w...
RE: Finally figured out how to stop worrying about roadside help running out
Yeah, it's good you practiced ahead of time. You never really expect to get stranded until it actually happens, right? I've had more close calls than I'd like to admit... better safe than sorry, huh?
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
I've tried accident forgiveness before, and honestly, it felt a bit gimmicky. Had a fender-bender two years back - totally my fault, no excuses - and at first, I thought I'd dodged a bullet. No immediate spike, nothing a...
RE: quick heads-up on Arkansas auto insurance basics
I get the privacy concern, but honestly, as someone who's considered "high-risk," the savings outweighed the tracking for me. Did you notice any weird data points or was it mostly just speed and braking habits?