Car insurance discussions and local services.
chess_kenneth
Discussion activity
Topics and replies this member has contributed.
RE: Classic car insurance and the annual mileage cap - worth it?
That’s what I keep wondering too. But is the mileage cap really about preserving the car, or is it more about minimizing risk for the insurer? Has anyone actually had their rates bumped up for going over the limit, or do...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get what you mean about insurance being reasonable if you’re upfront. I’ve always wondered, though, how much it depends on the specific agent or company. Like you said, - do you think some companies are more lenient t...
RE: Rental car insurance: worth it or just a money grab?
That’s exactly the part that always trips me up. I’ve read through my card’s benefits a few times, and there’s always some fine print about “loss of use” or “diminished value” that makes me wonder if I’m really as covere...
RE: Why does insurance cost more in Houston than Austin or Dallas?
I’ve been scratching my head about this too - especially after shopping around for car insurance last year. I get the logic that Houston has more risk factors, but when you dig into the numbers, it’s not always clear-cut...
RE: stuck between Geico and Progressive in NY, thoughts?
I get what you’re saying about Geico being quick with claims, but I’ve actually had a different experience. We had a minor accident last year (icy driveway, classic upstate NY move) and Progressive handled it pretty smoo...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
That telematics stuff is wild - my neighbor tried it and got flagged for “hard acceleration” just merging onto the highway. Makes me wonder if these apps actually understand real-world driving or just want us to coast ev...
RE: What happens if your rideshare app is between trips and you get into an accident?
Honestly, I’m not sure it’s always as gray as people make it sound. I mean, yeah, , but if you’ve got a rideshare endorsement, doesn’t that spell out exactly what’s covered during period 1? I get that agents can be cluel...
RE: Confused about Illinois car insurance rules - anyone else?
That’s a good point about not relying just on your phone, especially in winter. I’ve had my phone die on me during a cold snap, and it’s not fun scrambling for backup. I do wonder, though - has anyone actually had an off...
RE: Insurance renewal hikes caught me off guard
I get where you’re coming from, but I’m not totally convinced they’re being shady on purpose. Sometimes I wonder if the reps even know what half those charges mean. Like, last year, I actually asked for a full breakdown ...
RE: Insurance renewal hikes caught me off guard
Yeah, it really does feel like that. I actually called my agent last year when our rate jumped and found out it was partly because repair costs for our minivan went up across the board, not anything we did. Have you trie...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I keep wondering if any of these “secure” spots are actually worth the extra money. Like, does anyone know if break-ins have actually gone down since all these new rules? I get why they want cameras, but if nobody’s watc...
RE: Insurance paid way less than what it cost me to replace my roof
Totally agree - photos are a game changer, especially when you’re dealing with someone who’s just looking at numbers on a screen. I’ve always wondered how they figure out the “market rate” for repairs anyway. Did you eve...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
I get the appeal of local agents, but I’ve had the opposite issue - my neighbor’s claim with a small agency dragged on for ages, and they kept passing her around. Meanwhile, my experience with a big-name company was actu...
RE: finally found an insurance company in CA that doesn't drive me nuts
I've wondered the same thing myself...does paying more really mean better service, or is it just branding at play? Had a similar experience a while back - went with a big-name insurer thinking it'd simplify things if som...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Glad you mentioned the delayed pain thing - had something similar happen after a minor fender bender last year. Thought I was totally fine at first, just a bit shaken up. Then, about four or five days later, started gett...