Car insurance discussions and local services.
banderson10
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Topics and replies this member has contributed.
RE: vanishing deductible vs. regular deductible - which one's really worth it?
The useful comparison is the extra premium over the period it takes to earn the advertised reduction versus the reduction itself. If the added premiums already exceed the maximum deductible savings, it can’t break even o...
RE: When The Other Driver Has No Insurance And Dings Your Car
Yeah, I’ve wrestled with this too. On one hand, it feels like you’re paying for something you might never need. But if you end up in a situation where the other driver can’t pay, it’s a real lifesaver. I’d rather have th...
RE: Confused about insurance rules in South Dakota - help me figure this out
I’m right there with you - keeping a paper copy in the glovebox is just easier, even if it feels outdated. I’d rather have it handy than risk a ticket, especially with kids in the car. It’s frustrating that South Dakota ...
RE: Insurance tips for my vintage ride needed
I’m right there with you on the digital backups - after a minor fender bender last year, I realized just how quickly paper docs can disappear or get ruined. Having everything scanned and easy to pull up on my phone saved...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
That’s exactly why I keep med pay on our policy, even though it feels redundant sometimes. We had a neighbor’s kid get a minor concussion during a soccer carpool run - med pay kicked in and covered the ER visit before th...
RE: Which is better for SR-22 in ND: local agents or online companies?
I totally get the appeal of doing things online - fast and you don’t have to leave the couch. But when it comes to SR-22, I just couldn’t risk a paperwork slip-up. I’m the type who triple-checks forms, but even then, my ...
RE: lent my car to a friend, insurance got messy real quick
Yeah, totally get where you're coming from. Even if the policy covers it, insurance companies still see you as a higher risk afterward. Plus, there's always that awkwardness if something goes wrong...not worth the headac...
RE: Finally figured out how car insurance works in no-fault states
I've actually had some direct experience with this. A couple years back, my wife was involved in a minor fender-bender in a no-fault state. At first glance, it seemed pretty straightforward - she was rear-ended at a stop...
RE: HOW I CUT DOWN MY CAR INSURANCE BILL USING VETERAN DISCOUNTS
True, I've noticed this too. When we moved across state lines, our discount shrank considerably. Still helps a bit, but you're right - keeping a clean driving record makes the biggest difference over time.
RE: keeping your vintage ride running smooth on long trips
I've definitely been there myself. Once, I meticulously checked tire pressures, fluids, and belts before a family road trip in our old station wagon... only to overlook the spare tire. Learned the hard way that Vintage ...
RE: lent my car to a friend, insurance got messy real quick
That's a good point. I learned the hard way that assuming coverage can lead to some uncomfortable surprises. After a minor fender-bender involving my brother-in-law, I realized how important it is to clarify these detail...
RE: how bad does a DUI mess up your insurance in CA?
When my brother got a DUI a few years back, he assumed his rates would skyrocket permanently. He did the alcohol education program and switched insurers after shopping around - ended up paying less than he initially fear...
RE: lower premiums vs higher coverage - what's your sweet spot?
I've found that bumping up from minimum to mid-level coverage - especially adding comprehensive - strikes a good balance. Slightly higher premiums, sure, but it saved me big-time when hail damaged our family car last spr...
RE: stuck between Geico and Progressive in NY, thoughts?
I get your point about the tracking apps being intrusive, but honestly, I found Snapshot pretty helpful. Maybe it's because my family's driving habits are fairly predictable and cautious (we rarely drive late at night an...
RE: does rental car insurance from Farmers actually cover this?
I had a similar concern last year and called Farmers directly to clarify. They confirmed rental cars are generally covered, but warned about potential gaps like loss-of-use fees or administrative charges. Definitely wort...