Car insurance discussions and local services.
charles_jones
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RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
That line’s too real. Had a roof claim with Shelter last spring after one of those Midwest hailstorms - took nearly a month before anything got rolling. State Farm wasn’t much better when my neighbor’s tree came down on ...
RE: Getting caught without car insurance in Iowa is no joke
Man, that glove box heat is no joke. I had a registration sticker basically melt into the plastic once - looked like some modern art piece by the time I found it. The ziplock trick’s been my go-to ever since, too. Cheap,...
RE: Car insurance in Wyoming: who actually treats you right?
Man, the “set it and forget it” thing bites me every time. I swear, insurance companies count on us not paying attention. I had a similar deal - my roadside assistance just disappeared off my policy one year. Didn’t noti...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I get the logic behind having uninsured motorist coverage, but sometimes it feels like overkill, especially if your car barely sees the road. I mean, my old Civic is basically a grocery-getter and I still have to pay for...
RE: USAA vs State Farm: which claims process is less of a headache?
Honestly, dealing with insurance on classics is always a bit of a gamble. I’ve had State Farm for my old wagon and they still wanted to argue about what “factory options” meant. It’s frustrating, but you’re not alone - s...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Yeah, the “full coverage” thing is super confusing. I got burned by that too - thought I was good until a tree branch decided to take a nap on my Civic. Wild how that’s not just included by default. Has anyone actually ...
RE: Someone smashed my parked car - deal with insurance or call the cops?
I hear you on the paperwork, but honestly, I once skipped calling the cops after a fender bender to “save time” and it ended up being a mess. Insurance kept asking for proof and I had nothing but my word. Never again... ...
RE: Just saved a chunk of cash on car insurance after defensive driving course
I get where you’re coming from, but I’ll admit, I actually tried one of those telematics things last year just to see if it’d help with my rates. My car’s not exactly new (’09 Corolla), but the plug-in device worked fine...
RE: Insurance paid way less than what it cost me to replace my roof
Honestly, I wouldn’t just take the roofer’s word for it. Some will tell you what’s code, but others might skip stuff to save time or money. I usually Google my city’s building codes or call the permit office - doesn’t ta...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Yeah, that's a fair point. I've always leaned toward higher deductibles myself - mostly because I figure I'm careful enough to avoid most minor scrapes. But then again, I do a ton of highway driving for road trips, so ma...
RE: keeping your vintage ride running smooth on long trips
Yeah, learned that lesson myself after getting stranded outside Flagstaff a few years back. Now I always keep a spare set of points tucked away - cheap insurance, really. Another thing that's saved me more than once is a...
RE: is accident forgiveness really worth it in Ohio?
I hear you on the mailbox thing...my old Jeep Cherokee took out a neighbor's fence one winter. Not my proudest moment, lol. Accident forgiveness always felt kinda gimmicky to me - I mean, insurance companies aren't exact...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Totally agree about glass coverage being sneaky... learned that one the hard way when a rock chipped my windshield halfway through a cross-country road trip. Thankfully, my deductible wasn't crazy high, but it still stun...
RE: insurance in mass... learned something surprising today
Yeah, that's pretty cool actually. I lived in Mass for a few years and noticed insurance was a bit easier to navigate there compared to other states I've been through on road trips. Personally, I stuck with Tufts Health ...
RE: anyone else tweaking their WV insurance to cut costs?
Did something similar last year after my insurance jumped up randomly. Ended up raising my deductible and dropping some extras I never used anyway. Saved enough to cover gas for a couple weekend road trips, so totally wo...