Car insurance discussions and local services.
beargamer
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Topics and replies this member has contributed.
RE: When your deductible makes you second guess filing a claim
Honestly, I get where you’re coming from, but I wouldn’t stress too much about every “what if.” Here’s how I look at it: first, figure out what your deductible actually is and compare it to the cost of minor repairs. Som...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I hear you - my ‘72 Chevelle only sees daylight on nice weekends, but the premiums keep climbing. Here’s what worked for me: I called my agent and asked about “low mileage” or “pleasure use” policies. Some companies (lik...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
Bundling roadside with a premium credit card can actually be a pretty smart move, but it’s not always as good as it sounds in the ads. I’ve dug into this a bit because I drive a couple of older cars (one of them’s a ’72 ...
RE: Why did my GEICO premium jump so much this year?
I actually think loyalty discounts can add up if you’re in it for the long haul, but yeah, they’re not always flashy. With my classic car, I stuck with the same insurer for years and eventually got a pretty decent rate -...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
Couldn’t have said it better about the paper copies. I keep a folder in my glove box with all my classic car docs - insurance, registration, even a pen that barely works. It’s saved me more than once when my phone decide...
RE: When Does It Make Sense to Drop the “All-In” Coverage?
I hear you on the “what if” worries. I kept full coverage on my old ‘89 Mustang way longer than I needed to, mostly because I’d sunk so much time into restoring it. But honestly, That hit home for me. Eventually, I swit...
RE: How I managed to stack discounts for military student drivers
Honestly, I get where you’re coming from, but sometimes pushing back doesn’t always work out the way we hope. I’ve tried to argue my way into a better rate by pointing out my clean record (well, minus a fender bender or ...
RE: What happens if your rideshare app is between trips and you get into an accident?
I hear you on the fine print - sometimes it feels like they’re counting on us giving up halfway through. From what I’ve seen, in California most regular policies really do exclude anything once the app is on, even if you...
RE: Little-known trick with Progressive’s roadside help
Right? The days of fishing around for that crumpled card are mostly behind us. I still jot the number down on a sticky note in my glovebox, just in case tech fails me. One tip - if you’ve got an older ride like my ’72 Ch...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I totally get the hesitation with pay-per-mile insurance. The idea of being tracked makes me a bit uneasy too, even if I know my car isn’t exactly racking up the miles these days. I did a trial with one of those devices ...
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.
Full Coverage Isn’t Always What It Sounds Like Honestly, that tripped me up too when I got my first classic. “Full coverage” sounds like it should cover every possible thing, but insurance companies have their own def...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
PEACE OF MIND VS. SAVING A FEW BUCKS: MY TAKE I hear you on the peace of mind thing. I’ve been there, thinking I was being clever by picking a higher deductible just to shave a few dollars off my monthly bill. Back when...
RE: is accident forgiveness really worth it in Ohio?
I hear you - peace of mind is a big part of it, but honestly, if you’re a careful driver and don’t have a history of accidents, it might not pay off. I ran the numbers once for my ‘72 Chevelle and the extra cost over fiv...
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, the fine print is wild. I learned the hard way with my old ‘72 Chevelle - thought I was covered for everything, but a tree limb fell and apparently “acts of nature” weren’t in my basic plan. Now I always call and a...
RE: Are those price-checker sites actually reliable?
You nailed it - those price sites are more like a ballpark than a promise. I’ve had similar run-ins at dealerships, and it’s always a negotiation. Local demand is huge. Once, I tried selling an old Mustang and the KBB va...