Car insurance discussions and local services.
ashley_pupper
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Topics and replies this member has contributed.
RE: Does PA roadside assistance cover a car stuck in my driveway?
The flat-tire detail needs one more qualification: roadside assistance may only provide labor to install a usable spare that’s already with the car. It may not repair the puncture, replace the tire, or bring a new tire f...
RE: Do I really need extra insurance when renting a car in VA?
Had a similar run-in with a rental a few years back - barely tapped a curb, and they tried to charge me for a whole new wheel. My own insurance covered it, but the paperwork was a nightmare and took months to sort out. S...
RE: Would you risk a higher deductible to lower your insurance bill?
I get the peace of mind argument, but honestly, I’d rather keep my monthly costs down and just take the hit if something happens. I’ve had classic cars for years, and I can count on one hand the number of times I’ve actu...
RE: Renting a car: stick with GEICO or pay for the rental company’s insurance?
Not lazy, just depends on your patience level. I get the appeal of tossing them the keys and walking away, but man, that extra fee adds up fast - especially if you rent often. Been there. Had a classic Mustang in the sh...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Yeah, “full coverage” is a joke. I’ve restored a couple classics and you better believe I read every line of the policy now. Had a buddy lose his ‘72 Chevelle to a garage fire - turns out his “full coverage” didn’t inclu...
RE: Do you really need extra insurance for a rental in Montana?
Title: Do You Really Need Extra Insurance for a Rental in Montana? I hear you on the “loss of use” thing. Got burned by that once - rented a Mustang for a road trip, some guy sideswiped it in the hotel lot, and the rent...
RE: How do they actually decide when a car is “totaled”?
They pretty much ignore upgrades unless you have receipts and even then, good luck. I argued about a new transmission once - still got lowballed. They use their own pricing guides, not what’s actually out there. It’s all...
RE: How I managed to stack discounts for military student drivers
Yeah, dealing with insurance on classics is a headache. I’ve had reps tell me three different things about my ‘69 Camaro in the same week. It’s like they make it up as they go. You’re not alone - just gotta keep pushing ...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I’ve got a couple of classics and honestly, I keep my deductible low. Had a buddy with a ‘68 Camaro who thought he was saving money with a high deductible - then a hailstorm hit. He was out $1,500 just to get the dents f...
RE: Insurance tips for my vintage ride needed
Yeah, that “pleasure use” thing is a pain. I’ve had the same worry - like, what if I stop for gas or pick up a coffee? Feels like they’re just waiting to catch you out. Still, you’re right to keep records. It’s a hassle,...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Deer hits are almost always comprehensive, not collision. Some agents get confused, but that’s the rule. Delaware’s weird about waivers, though - read the fine print or you’ll get burned. I’ve had better luck with smalle...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, AAA's gotten slower lately, but still beats rolling the dice with random tow guys. Had a local dude scratch my classic's bumper once... never again. I'll take the wait.
RE: stuck between Geico and Progressive in NY, thoughts?
Couldn't agree more - had Geico a while back for my classic Mustang. Decent rates initially, but after a minor scrape downtown, the premium shot up quite a bit. Check carefully how each handles claims-related hikes...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Yeah, insurance companies always find a way to wiggle out of paying. Had a buddy whose classic Camaro got nailed by hail - thought he was covered too, but turns out his policy excluded "cosmetic damage." Seriously? Dents...
RE: driving uninsured in Hawaii can seriously drain your wallet
Good points raised here. Learned the hard way years ago when my classic Mustang got rear-ended - cheap insurance meant headaches later. Now I always pay a bit extra for solid coverage. Peace of mind beats saving a few bu...