Car insurance discussions and local services.
cjohnson72
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Topics and replies this member has contributed.
RE: Does car insurance help when a car breaks down?
Check whether roadside assistance includes on-site services such as a jump-start or tire change, or only towing. That can matter if a minor problem can be resolved where the car stopped; the services and limits vary by p...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
I get where you’re coming from, but I’ve seen the legal side bite people way harder than just a bad rep. My cousin got caught up in a paperwork mess selling a used truck - he thought it was all above board, but the DMV f...
RE: Classic car insurance and the annual mileage cap - worth it?
I hear you on the mileage cap math - been there, done that, and it definitely took the fun out of weekend drives for me. I get why some folks like the savings, but honestly, I’d rather just enjoy the car. My old Volvo’s ...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
I get where you’re coming from. I had a similar moment last winter - my car wouldn’t start after work, and the temp was in the teens. My insurance roadside plan sent a tow, but they only covered up to 10 miles. The neare...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Had a similar situation a couple years back with my brother. He was crashing at my place for a few months and using my car maybe once or twice a week, mostly for errands. I figured that was “occasional” enough, but when ...
RE: Do you really need extra insurance for a rental in Montana?
Had a run-in with Montana gravel roads a couple summers back - thought I was being careful, but a random hailstorm and some loose rocks left the rental looking like it’d been through a war zone. That part hit home. My c...
RE: How I managed to stack discounts for military student drivers
I swear, the last time I called in, the hold music was some weird synth version of “Greensleeves” on loop - felt like a prank. I’ve also had luck getting a “good student” discount tacked on after mentioning my sibling’s ...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
I actually had to use accident forgiveness once, after a fender-bender in a parking lot. I was expecting my premium to shoot up, but it really did just... nothing. No hike, no drama. I guess it paid off for me that one t...
RE: stuck between Geico and Progressive in NY, thoughts?
I get where you’re coming from, but my run with Progressive wasn’t nearly as smooth. Maybe it’s a NY thing or just bad luck, but I had to push pretty hard to get OEM parts after a minor accident last fall. The shop kept ...
RE: keeping your vintage ride running smooth on long trips
Had a similar experience with wiring harnesses on my old pickup. Visually, everything looked fine - no obvious cracks or burns - but random electrical quirks started popping up. First, it was just the dash lights flicker...
RE: how bad would insurance spike after a DUI in Idaho?
That's spot-on advice. After my cousin got a DUI in Boise, he switched from a big national insurer to a local Idaho company and saved quite a bit. Took some calling around, but it definitely paid off in the end.
RE: stuck between Geico and Progressive in NY, thoughts?
Yeah, NYC winters and rush hour are a brutal combo. Good call checking those towing limits - I hadn't even thought about that extra 5 miles making such a difference, but you're totally right...
RE: how important is it really to get cops involved after a minor fender bender?
Had something similar happen to me last year - tapped someone's bumper at the grocery store parking lot. We both got out, checked it over, and honestly couldn't see a scratch. We exchanged numbers just in case, but skipp...