Car insurance discussions and local services.
chess_anthony
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
Honestly, I’ve wrestled with this too. I used to be all about the higher deductible, thinking I’d never need it. But after my neighbor’s kid dented my door with a scooter (and nobody owned up), I started questioning if t...
RE: Is gap insurance worth it for new cars in Hawaii?
I get where you’re coming from about gap insurance, especially with luxury cars. But honestly, I’m a bit skeptical if it’s always necessary for every new car. That’s true for BMWs or Mercs, but for something like a Hond...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, you’re spot on about the fine print - those exclusions are wild. I used to think my credit card had me covered for everything, but after a friend got hit with a “loss of use” fee over a cracked headlight, I sta...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
I hear you on the apps - half the time they ding you for “hard braking” when you’re just trying not to hit a moose or swerve around a crater in the road. I tried one for a few months and it felt like it was designed for ...
RE: Do you really need extra insurance for a rental in Montana?
That’s exactly it - peace of mind is tough to put a dollar amount on, especially out there. I used to think the credit card coverage was a safety net too, but like you said, the exclusions are sneaky. - that’s what got ...
RE: Would you risk a higher deductible to lower your insurance bill?
I get the logic behind a higher deductible, but man, I just can’t bring myself to do it. Maybe it’s because my luck with cars is...not great. Last year, a rogue shopping cart took out my side mirror and the repair bill w...
RE: Finding decent car insurance in Delaware without losing your mind
Right? It’s like, if you’ve ever given a friend a ride or picked up takeout, suddenly you’re “business use” material. I’ve always wondered - do they actually check glove compartments and trunks for stuff, or is it just i...
RE: Confused about insurance rules in South Dakota - help me figure this out
Honestly, I get where you’re coming from. I’ve had my phone freeze up right when I needed to pull up my insurance, and it’s stressful. Keeping a paper copy feels old-school, but it’s saved me once or twice. I wouldn’t st...
RE: How I managed to stack discounts for military student drivers
That’s actually pretty encouraging to hear. I’m with you - paperwork just feels outdated at this point. I had to fax something last year and it felt like time travel. Maybe it really does depend on the company or even th...
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.
Totally agree with this. I always thought “comprehensive” meant you were set for anything, but then I read the exclusions and realized how many loopholes there are. With an older car, I keep asking myself if the monthly ...
RE: Classic car insurance and the annual mileage cap - worth it?
Mileage caps honestly stress me out. I tried one of those classic policies a few years back and ended up paranoid every time I wanted to take the car out for more than a quick spin. I get why they do it, but it kind of k...
RE: Would your insurance hold up if your EV battery suddenly failed?
Title: Would your insurance hold up if your EV battery suddenly failed? Honestly, I’m right there with you on the “stack of PDFs” approach - been there, done that, probably have a few charging receipts stuck in my glove...
RE: stuck between Geico and Progressive in NY, thoughts?
I get where you’re coming from, but honestly, I’ve had the opposite experience with Progressive in NY. Maybe I just lucked out, but when my car was in the shop last winter, the rental process was smoother than I expected...
RE: bumped someone's car lightly, no visible damage - should I report?
Yeah, I totally get what you're saying about the sensors. Had a similar experience myself - barely brushed against a friend's car backing out of their driveway, no visible mark at all. But a few days later, they mentione...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
You know, I used to think military discounts were the holy grail of insurance savings until I moved a couple years ago. I switched from a small town to a pretty big city, and man...my rates jumped way more than I expecte...