Car insurance discussions and local services.
ashleyphillips833
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Topics and replies this member has contributed.
RE: How picking a “boring” car turned into a wallet win
Can’t argue with that logic. I used to chase after rare parts for my old Mustang - fun, but my wallet hated me. Now I drive a Camry daily. Not exciting, but it just works and doesn’t bleed me dry. Sometimes “boring” is j...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Honestly, I’ve always thought full coverage on a beater is just handing cash to the insurance company. First car I ever had was a ‘92 Civic with more rust than paint, and I still went for full coverage because my dad ins...
RE: Lowball insurance estimate - worth fighting or just let it go?
Honestly, I don’t see the point in making a claim for every little scratch. Insurance is there for the big stuff - accidents, real damage, not every door ding. I’ve seen guys nickel-and-dime their policies and end up wit...
RE: anyone else feel like AAA insurance isn't what it used to be?
That’s pretty much it. I get why you’d switch - AAA’s gotten expensive, and honestly, their roadside isn’t as fast as it used to be anyway. I’ve tried the cheaper options too. They work, just gotta be a bit more patient....
RE: Why does picking a deductible feel like a weird gamble?
Honestly, I get why peace of mind matters, but sometimes I wonder if the higher monthly cost is just money down the drain if you never file a claim. Ever wish there was a middle ground? Like, some years I barely drive my...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Houston’s rates are brutal, can’t argue with that. I keep a couple of older cars and the insurance difference between Austin and Houston was night and day when I priced it out. Flooding is a big deal, but people forget h...
RE: What happens if your rideshare app is between trips and you get into an accident?
Never trusted the “wiggle room” thing - insurance companies love loopholes. If you’re just sitting there with the app on, who actually decides if you’re “on the job” or not? Ever seen anyone actually win a claim in that ...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
I’ve never seen a “military rate” that was actually the best deal, at least not for my cars. USAA’s nice for service, but their prices aren’t magic. Honestly, it’s mostly your record and zip code. The rest is just market...
RE: Which is better for SR-22 in ND: local agents or online companies?
Had the same problem with an online outfit a couple years back. They promised “instant filing” - turned out it took four days and I had to keep calling to get any info. Nearly missed a car show because my license was sti...
RE: Would your insurance hold up if your EV battery suddenly failed?
Honestly, I think we're expecting a bit much from insurance here. Batteries failing due to normal use or age isn't really what insurance is meant for - it's more about accidents and unexpected damage. If your engine blow...
RE: finally found an insurance company in CA that doesn't drive me nuts
Portable jump starters are great, but what about more serious breakdowns - like a blown tire or overheating? Had my '67 Mustang strand me once with a busted radiator hose... roadside assistance would've been nice then. S...
RE: finally found an insurance company in CA that doesn't drive me nuts
Went through something similar with my '68 Mustang. Thought my classic policy had me fully covered, but nope - found out after a fender bender that rental coverage wasn't even a thing on my plan. Ended up borrowing a bud...
RE: Navigating the whole SR-22 thing in Kansas without losing your mind
Depends on your perspective, really. I drive a '71 Mustang, and last time I cracked my windshield, insurance was more hassle than it was worth. They wanted me to go to their "approved" place, which didn't even stock vint...
RE: HOW I CUT DOWN MY CAR INSURANCE BILL USING VETERAN DISCOUNTS
Totally relate to this. Tried one of those trackers for a bit, and honestly, it felt like it was punishing me for just reacting normally to traffic. Real roads aren't predictable - stuff happens. Veteran discounts or bun...
RE: finally got my insurance rates down after a DUI in Iowa
Good to hear you're finally out of that mess. Had a buddy who went through the same deal - he ended up switching to a classic car policy with limited mileage to cut costs. Not ideal if it's your daily driver, but worth l...