Car insurance discussions and local services.
bfrost39
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RE: Why does my zip code make my car insurance so expensive?
Yeah, the zip code thing drives me nuts too. I’ve got a car that’s worth more than my first house, and it spends most of its life under a cover in the garage. Still, my insurance is through the roof just because of where...
RE: Why does my zip code make my car insurance so expensive?
That’s honestly wild. I had almost the opposite experience - moved just a couple blocks and my premium shot up, even though nothing else changed. I’ve always suspected there’s more to it than just crime stats or traffic ...
RE: Do you really need extra insurance for a rental in Montana?
I get the hesitation - rental companies love to push every add-on, and half the time it feels like a money grab. But Montana’s weather is wild, and those “acts of nature” exclusions are real. I’ve had a rock chip turn in...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Totally get where you're coming from. I used to think my policy had me covered no matter what, but those step-down clauses are sneaky. With a higher-end car, I just don’t risk it - adding someone for a day costs a bit, b...