Car insurance discussions and local services.
breezewhiskers600
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Topics and replies this member has contributed.
RE: What should a high-risk driver compare at State Farm renewal?
Since the question is which optional coverage exclusions to check, ask whether the policy includes uninsured or underinsured motorist property-damage coverage and what it covers in your state. If it could cover damage to...
RE: What should a high-risk driver compare at State Farm renewal?
Rental reimbursement is worth pricing separately before dropping optional coverage. The practical test is whether you could cover alternate transportation while your car is being repaired after a covered loss; even a mod...
RE: How I got my car registered and insured in MA (step-by-step, sorta)
Honestly, wouldn’t even be surprised if they did. I’m with you on the pen thing - I bring my own, plus a backup just in case one runs out mid-form. I also learned the hard way to keep every single receipt and doc in a ch...
RE: Car insurance in Wyoming: who actually treats you right?
I get the local agent thing, but honestly, as someone who’s had a couple tickets and a not-so-great driving record, I’ve found price matters way more than anything else. The big companies usually give better rates for “h...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Bundling never really worked out for me either, but I look at it a bit differently. Sometimes the car rate goes up, sure, but when you add up both policies, the total can still be less than keeping them separate. Not alw...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
Honestly, I get the need for a paper trail, but sometimes you gotta weigh the cost. I’ve had to use backyard mechanics before - just snapped a pic of the work and kept the Venmo screenshot. Not perfect, but it’s saved me...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Totally get what you mean. I’ve had my rates spike just for moving a few blocks, and it made zero sense to me at first. Here’s what I do now: every time something changes - car, address, job - I call the insurer and ask ...
RE: Do you really need extra insurance for a rental in Montana?
I totally get where you’re coming from - my record isn’t the cleanest either, so I’m always weighing the cost. Here’s how I look at it: 1) Check if your regular car insurance or credit card covers rentals. 2) If not, see...
RE: Is Paying For Roadside Help Worth It Or Just Extra?
Title: Is Paying For Roadside Help Worth It Or Just Extra? Man, I relate to this. The first time I read through all the options, it felt like I was ordering a burger and they wanted to charge me for every topping, nap...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I totally get the “stash the savings” idea, but honestly, I’d mess that up and end up dipping into it for pizza night or something dumb. I just go with what I know I could pay tomorrow if my car gets sideswiped - no surp...
RE: Why can’t I use my points AND a coupon at checkout?
Honestly, I’ve butted heads with sales managers over this too. Here’s what’s worked for me: first, ask them to show you the policy in writing - sometimes they’ll back down if you’re firm but polite. If they say it’s a sy...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I totally get that - my neighbor’s old Buick basically turned into a tetanus trap last year. I’m all for saving money and keeping things running, but when the glass is busted out and the fenders are falling off... yeah, ...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I’m right there with you. I had my ‘89 Supra in the driveway, looking clean, but still got flagged. Here’s what I figured out: 1) Some cities get picky if your registration’s out, even if it’s insured and maintained. 2) ...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I had a similar run-in last year - my old Civic sat in the driveway for a bit while I saved up for repairs. Got a warning from the city because it “looked inoperable.” Here’s what worked for me: 1) Kept it clean, even if...
RE: is accident forgiveness really worth it in Ohio?
I've been driving in Ohio for a while too, but gotta admit, I'm not exactly the poster child for safe driving... had my share of close calls. Even then, accident forgiveness never seemed worth the extra bucks to me eithe...