Car insurance discussions and local services.
bhall65
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Topics and replies this member has contributed.
RE: Mileage-based car insurance: who’s using it and which company do you like?
Totally agree about the lack of nuance - just because the system logs “hard braking” doesn’t mean you’re driving recklessly. I’ve had the same issue when a squirrel darted out and I instinctively hit the brakes. Also, th...
RE: Finding decent car insurance deals on the islands - my step-by-step
That “acts of nature” thing always gets me too. I once asked an agent if a mongoose chewing through my wiring counted, and she just laughed - never got a straight answer. I’ve found the devil’s really in the definitions....
RE: Would you risk a higher deductible to lower your insurance bill?
I get where you’re coming from. I’ve been wrestling with this exact question for a while, and it’s honestly not as straightforward as the insurance ads make it sound. A few years back, I went with a higher deductible bec...
RE: Why can’t I use my points AND a coupon at checkout?
That’s been my exact experience too. I remember once trying to use a store credit, a coupon, and my points all at once - no dice. The cashier even told me, “Yeah, we get asked this every day.” I get the business side of ...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I hear you on the whole “shopping around” fatigue. I went through something similar last fall - spent a couple afternoons calling around, filling out online forms, the whole nine yards. In the end, the quotes I got were ...
RE: anyone else feel like AAA insurance isn't what it used to be?
I get where you’re coming from, but I’m not totally convinced the newer apps are always better. I tried one of those “on-demand” roadside services last winter when my battery died in a grocery store parking lot. The app ...
RE: How do they actually decide when a car is “totaled”?
That’s a really fair point about hidden damage - my last car looked fine after a fender bender, but months later I started having weird electrical issues and the alignment was never quite right again. Still, it does stin...
RE: Which is better for SR-22 in ND: local agents or online companies?
That’s the part that gets me every time. I tried online once and spent a week refreshing my email like it was a lottery ticket. Local agents might take longer, but at least you can look someone in the eye and get a strai...
RE: Insurance renewal hikes caught me off guard
I get the frustration, but isn’t there a flip side? If your car’s value goes up, doesn’t that mean you’d get more if something happened? I’m not sure I’d want them to keep it low just to save a few bucks. Still, the way ...