books_dennis
@books_dennis
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Topics: 1 / Replies: 14
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RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?

I get the appeal of those big companies with their fancy apps and “save 15%” ads, but when you’re in a bind, nothing beats a real person who actually ...

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RE: Do you really need extra insurance for a rental in Montana?

Honestly, you nailed it—most people don’t realize they’re already covered. I always tell friends to call their card company or insurer before the trip...

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RE: How do they actually decide when a car is “totaled”?

That’s spot on—the OEM vs. aftermarket parts thing is a constant back-and-forth. From what I’ve seen, the type of parts used can sometimes make a diff...

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RE: Getting that student discount on car insurance… not as easy as I thought

You’re not alone—those portals can be a nightmare. I’ve seen students try five different scanners, only for the system to reject every file. It’s wild...

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RE: Finding decent car insurance in Delaware without losing your mind

Middle ground is tough, but it’s not impossible. Here’s how I’d approach it if you’re looking for decent coverage in Delaware without losing your sani...

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RE: Confused about insurance rules in South Dakota—help me figure this out

That’s honestly the most accurate way to put it. I had a client with a ’72 Chevelle, and even with an agreed value policy, the insurer nitpicked every...

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RE: little-known ways to snag cheaper insurance in Alaska

You’re spot on about those “hidden” discounts—sometimes you really have to dig. I’ve noticed that even things like taking a defensive driving course o...

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RE: Confused about Illinois car insurance rules—anyone else?

You’re not wrong—loyalty perks rarely offset the steady rate hikes. Shopping around every renewal can actually work out better, especially since insur...

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RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?

WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? Totally agree on the hassle-free part—med pay is just straightforward. One t...

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RE: Which is better for SR-22 in ND: local agents or online companies?

I get where you’re coming from—price is tempting, but with SR-22s, the details matter. I’ve seen a few folks run into issues when online providers did...

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RE: Drowning in Forms: What If Your Insurance Docs Got Lost?

Laminating docs is definitely a solid move, especially if you're regularly dealing with moisture or humidity. But honestly, I'm not totally sold on th...

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RE: is accident forgiveness really worth it in Ohio?

You're definitely onto something here. Accident forgiveness can seem appealing at first glance, but it's often more marketing than substance. In my ex...

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RE: Insurance headaches for risky drivers in NC—stick with big names or go local?

That's true, but deeper pockets don't always translate into better experiences for risky drivers. I've seen cases where big companies quickly hike rat...

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RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?

That's a solid approach, especially if you're disciplined enough to keep that emergency fund untouched. I've seen plenty of folks who start out with g...

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