Car insurance discussions and local services.
charlesb63
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Topics and replies this member has contributed.
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
- Totally get the nerves about tech flaking out - been there, especially when my phone died mid-road trip. - Haven’t had anyone refuse a digital copy yet, but I’ve heard some smaller towns are sticklers for paper. - ...
RE: Mileage-based car insurance: who’s using it and which company do you like?
Yeah, the “driving feedback” thing bugs me too. I get that insurance companies want to reward safe drivers, but sometimes it just feels like they’re looking for reasons to ding you. I had a friend who got flagged for “ra...
RE: Why does picking a deductible feel like a weird gamble?
- Totally get what you mean about the peace of mind. - I always end up second-guessing myself when picking a deductible. Like, is it worth saving $15 a month if it means I might have to shell out $1,000 all at once if ...
RE: USAA vs State Farm: which claims process is less of a headache?
Title: USAA vs State Farm: which claims process is less of a headache? - I get the appeal of skipping the hold music, but honestly, I’m kind of the opposite. - After my last road trip fiasco (hit a deer in Kansas, f...
RE: USAA vs State Farm: which claims process is less of a headache?
- Totally hear you on the digital thing being a double-edged sword. - I’ve had moments where I thought, “Cool, it’s all in the app,” but then missed an update because I wasn’t checking notifications. - With State Farm,...
RE: Lowball insurance estimate - worth fighting or just let it go?
- I totally get being skeptical of inflated estimates, but sometimes those high numbers are actually legit. - Rear-end damage can look minor, but I’ve seen cases where the frame or sensors underneath got messed up - st...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
- I’ve actually had better luck with State Farm than GEICO or Progressive, even after a fender bender last year. - Hagerty’s cool for vintage stuff, but their mileage limits are a pain if you like to road trip. - Any...
RE: Do you really need extra insurance for a rental in Montana?
Extra Insurance: Worth It or Waste of Money? - Ran into this exact issue last summer. Rented a 4WD in Bozeman, thought it’d be fine to hit a couple of gravel roads around Hyalite. Turns out, “paved only” was buried on p...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
- Totally get where you’re coming from - insurance companies love their gray areas. - You nailed it with the “peace of mind” thing. I’ve let friends borrow my car for road trips, and even though nothing’s ever happened...
RE: stuck between Geico and Progressive in NY, thoughts?
- Totally get the paper card thing - my phone died on a road trip once and I was scrambling for proof of insurance at a gas station. - Progressive’s customer service does feel kinda scripted, but at least they pick up ...