Car insurance discussions and local services.
benpilot327
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RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, the gap is real. I drive a minivan for the family and used to do food delivery on the side - never thought much about insurance details until a buddy of mine got rear-ended during that “waiting for a request” time....
RE: Getting Cheaper Car Insurance by Proving You Drive Less
I get the idea behind these tracking apps, but honestly, they don’t always paint the full picture. I’ve got three kids in the backseat half the time, and if a ball rolls into the street or someone slams on their brakes, ...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
I’m with you on those tracking apps - no thanks. I tried one for a month and it dinged me for “hard braking” every time a moose ran across the road, which is just Alaska life. Has anyone actually had luck with bundling t...
RE: Would you risk a higher deductible to lower your insurance bill?
Yeah, I did the same thing a couple years back. With three kids and a minivan, every dollar counts. The higher deductible made sense since we don’t do a ton of long trips. Only downside? When my son scraped a mailbox, th...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get where you’re coming from, but honestly, I think insurance companies make this whole thing way more dramatic than it needs to be. My brother borrows our minivan a couple times a month for his kids’ soccer games - ne...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
That “tracker thing” you mentioned - yeah, I got pitched on that too. I’m not sure how I feel about it. My cousin swears by his, says it knocked $20 off his bill, but I’m just not keen on having my driving habits monito...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
Honestly, I’ve never understood why insurance gets so uptight about the smallest changes. I swapped out the headlights on my old minivan for something brighter - just trying to see better at night - and suddenly my rates...
RE: Little-known trick with Progressive’s roadside help
I’ve actually wondered about this too. Last winter, my battery died twice in the same month - once at home, once in a grocery store parking lot. Both times I called Progressive and they sent someone out, no problem. But ...
RE: anyone else feel like AAA insurance isn't what it used to be?
I hear you, but honestly, I think the app’s just a symptom of a bigger problem. Last winter, I waited almost three hours with my kids in the car - kept getting those “on the way” pings too. Didn’t matter if I called or u...
RE: Finally figured out how to stop worrying about roadside help running out
Yeah, learned the hard way myself after a flat tire fiasco on a family road trip. Thought roadside covered tire changes, turns out it only covered towing to the nearest shop. Ended up sitting in some tiny town for hours ...
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.
Reminds me of the time I parked my car at my brother-in-law's place during Thanksgiving. Thought nothing of it until his neighbor's trampoline decided to take flight during a freak windstorm. Yeah, you read that right - ...
RE: Confused about insurance rules in South Dakota - help me figure this out
Yeah, digital proof is convenient until it isn't. Had a similar experience myself - got stopped outside Rapid City, and my phone decided to freeze right at that moment. Officer was patient enough, but it was still awkwar...
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.
I get the logic behind always going comprehensive, but honestly, it's not always worth it. Had a similar experience a few years ago - hailstorm trashed my hood and roof. But when I did the math, the premiums I'd have pai...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Had a similar issue a few years back. My neighbor had this old Chevy Nova - looked like junk to me, but he swore it was a classic in progress. City inspectors kept bothering him, yet ignored another guy down the street w...
RE: HOW I CUT DOWN MY CAR INSURANCE BILL USING VETERAN DISCOUNTS
Had a similar thing happen when I mentioned my kid's good grades during a random chat with the rep. Wasn't even trying to fish for discounts, just griping about how expensive teenagers are, lol. Next thing I know, they'r...