Car insurance discussions and local services.
books_jose
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Topics and replies this member has contributed.
RE: Saving cash just for driving less? Didn’t think it was real
I hear you on that. Those “safe driver” apps are a joke if you don’t drive like a grandma 24/7. I tried one because my rates are already through the roof after a couple tickets and, yeah, it was a mess. The thing would f...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Honestly, I get where you’re coming from, but I’d still rather deal with people’s side-eye than the courts breathing down my neck. Legal stuff can spiral fast - one wrong move and you’re stuck with a record or fines that...
RE: How did you feel after your first accident and dealing with insurance?
First accident I ever had, my rates shot up so fast my head spun. Dealing with insurance was a nightmare - felt like they were looking for any excuse to pay out less. I get what you mean about comparison sites, though. I...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Yeah, this is exactly why I never add anyone unless I absolutely have to. My own record’s not great, and the last thing I need is someone else’s mess making it worse. Permissive use is risky, sure, but honestly, if it’s ...
RE: Why does picking a deductible feel like a weird gamble?
That’s exactly it. I swear, every time I’ve actually needed to use my insurance, I end up paying more in the long run. I drive a lot (and yeah, I’ve had my share of “oops” moments), so picking a deductible feels like bet...
RE: Why can’t I use my points AND a coupon at checkout?
Honestly, I don’t buy the “tech issue” excuse anymore. If it was really just a glitch, they’d have fixed it by now - this has been going on for ages. Feels like they’re just making it as inconvenient as possible so most ...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Yeah, I’ve been burned by this too. Had a buddy borrow my car for “just a couple days” and he ended up getting a ticket. Insurance flagged it and suddenly I’m getting grilled about who’s actually driving my car and how o...
RE: Why did my GEICO premium jump so much this year?
Yeah, I’ve seen my rates jump too, and honestly, it’s not just you. I’ve had a couple tickets in the past, so I expect to get dinged, but lately even my “clean” friends are complaining. Insurance companies love to blame ...
RE: Why can’t I use my points AND a coupon at checkout?
Honestly, it’s just a way for them to nickel-and-dime us. - couldn’t agree more. I’ve never seen a grocery store let you stack both, but I know Kohl’s sometimes does with their weird “Kohl’s Cash” and coupons. Still, mo...
RE: is accident forgiveness really worth it in Ohio?
Honestly, as someone who’s had more than my fair share of fender benders (don’t judge, Ohio winters are brutal), accident forgiveness has saved my butt. Without it, my rates would be through the roof. If you’re even a li...
RE: little-known ways to snag cheaper insurance in Alaska
Winter tires, huh? That’s wild. Never heard of a company actually giving a discount for that unless you really pushed them. I get the “good student” thing, but honestly, for folks like me with a couple dings on the recor...
RE: Little-known trick with Progressive’s roadside help
Yeah, that’s happened to me - twice, actually. First time, they sent a flatbed that was way too short for my SUV. The driver just looked at it and laughed, then called in for backup. I get why people think it’s overkill ...