Car insurance discussions and local services.
breezel77
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Topics and replies this member has contributed.
RE: How I got my car registered and insured in MA (step-by-step, sorta)
The cable bill thing gets me every time... I don’t even get paper bills for anything anymore, it’s all online. Last time they wanted something with my “physical address” printed, but my bank statements only show a PO box...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
I get what you’re saying about insurers being more transparent, but I’m still a bit wary. My cousin had a weird situation where his “low mileage” discount got yanked because the tracker glitched and logged a bunch of pha...
RE: Would you risk a higher deductible to lower your insurance bill?
I get why people go for the higher deductible, but man... I just can’t bring myself to risk it with the family van. Kids are always dinging doors or someone’s bumping into us in parking lots. I’d rather pay a bit more ea...
RE: Classic car insurance and the annual mileage cap - worth it?
Honestly, I get the appeal, but I’d be paranoid about accidentally going over the cap and getting dinged with some crazy fee. My family hauler isn’t exactly a “weekend only” ride though, so maybe I’m just not the target....
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
Yeah, those safe driver gadgets drive me nuts too. I tried one for a few months and it dinged me for “hard braking” every time I slowed down for a moose. I’ve had better luck just shopping around, like you said. Bundling...
RE: Classic car insurance and the annual mileage cap - worth it?
I hear you on the guilt trip - been there. I tried the mileage cap thing last summer and it felt like I was rationing fun. Every time the kids wanted ice cream or we thought about a spontaneous drive, I’d start calculati...
RE: Bundling insurance with USAA: worth it or just hype?
Totally get where you’re coming from. I’ve got my auto and home with different companies for that exact reason - just didn’t see a big enough perk to bundle. Like you said, I’d rather have the best coverage for each thi...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
That “family side-eye at every holiday dinner” hits way harder than a stack of legal forms, honestly. I’ve had my share of paperwork headaches - insurance after an accident nearly made me swear off driving for a bit - bu...
RE: Mileage-based car insurance: who’s using it and which company do you like?
I get the hesitation about trackers, but honestly, I’m not sure self-reporting is much better. I tried that once and it turned into a hassle - had to send in photos, fill out forms, and they still wanted to “verify” stu...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get what you’re saying, but I’m still a little torn. I’ve let my brother borrow my car a couple times, and the “permissive use” thing seemed fine - never had to file a claim, though, so maybe I just got lucky. The idea...
RE: Why California’s minimum car insurance might not be enough
Honestly, I get why people want more coverage, but sometimes I wonder if it’s overkill for everyone. We’ve had the minimum for years and (knock on wood) haven’t had any issues. I mean, yeah, if you get into a big acciden...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
That’s kind of my worry too, but I’ve heard from a neighbor that some of those trackers actually take weather into account? Not sure how accurate that is, but apparently if there’s a storm or something, the app “knows.” ...
RE: is accident forgiveness really worth it in Ohio?
Honestly, I’ve had the same debate with myself every time renewal season rolls around. My neighbor swears by accident forgiveness, but I’ve never pulled the trigger. Last winter, my wife slid into a mailbox (thanks, blac...
RE: bumped someone's car lightly, no visible damage - should I report?
I get where you're coming from, but I’m not totally convinced it’s just about the car being fancy. My cousin had a regular sedan and still had to jump through hoops over a tiny scratch that wasn’t even visible unless you...
RE: saving cash on insurance when you're young and broke
Honestly, I’ve wrestled with this too. That’s the truth. I used to just carry liability on my old minivan, figuring if it got totaled, I’d just let it go. But then a neighbor’s kid sideswiped it and suddenly I was out a...