cloudmartin109
cloudmartin109
@cloudmartin109
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Topics: 0 / Replies: 14
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RE: Rising premiums for business vehicle fleets—anyone else notice this?

Yeah, it’s nuts how a busted mirror can turn into a $700 headache now. I get that the sensors and cameras help with blind spots, but honestly, I’m not...

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RE: How I managed to stack discounts for military student drivers

Spreadsheet tracking isn’t overkill at all—honestly, I wish I’d started sooner. —same here, and that’s if I skip the donut. I’ve noticed they’ll sneak...

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RE: Letting friends drive your car in MN: better to add them or rely on permissive use?

- Been there, honestly. I used to just let friends drive my car on trips, figuring “permissive use” would cover me. - Then a buddy got into a fender...

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RE: Do you really need extra insurance for a rental in Montana?

I get that, but have you ever actually had to file a claim through your credit card or regular policy? I tried once after a fender bender in Bozeman—t...

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RE: Letting friends drive your car in MN: better to add them or rely on permissive use?

Honestly, I get where you’re coming from about the vagueness, but paying extra every month just to cover “what if” scenarios feels a bit much for me. ...

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RE: Would your insurance hold up if your EV battery suddenly failed?

- 100% agree, insurance just isn’t built for this kind of thing. - Most policies treat batteries like any other wear-and-tear part—if it fails on it...

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RE: How do they actually decide when a car is “totaled”?

- Been there with my old Outback. Had it running like a champ, new brakes, fresh suspension, even detailed the interior. Got rear-ended at a stoplight...

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RE: DOES YOUR RIDE NEED EXTRA PROTECTION AT CAR SHOWS?

- Totally get the logic behind mixing it up—visible stuff for deterrence, hidden stuff for backup. - Honestly, I’ve seen some folks at shows with the ...

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RE: Insurance renewal hikes caught me off guard

- Totally get what you mean about the legal jargon—sometimes it feels like they’re trying to make it as confusing as possible, but maybe I’m just para...

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RE: anyone else feel like AAA insurance isn't what it used to be?

Yeah, I get where you’re coming from. It’s not just you—wait times are creeping up everywhere, even in places you’d expect to have a ton of coverage. ...

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RE: Roadside help added to my insurance—totally worth it?

- Had insurance roadside for a while—mixed feelings, honestly. - Once got stuck in the middle of nowhere, called the number on my policy, and waited a...

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RE: little-known ways to snag cheaper insurance in Alaska

Yeah, I’ve noticed the same thing—people stress about switching like it’s some big risk, but honestly, it’s not as dramatic as folks make it out to be...

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RE: Can Military Folks Really Get Cheaper Insurance Rates?

- 100% agree on the “trackers” thing. I tried one for a month—felt like I was auditioning for the world’s slowest driver award. One hard brake and poo...

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RE: Insurance headaches for risky drivers in NC—stick with big names or go local?

Yeah, I hear you. The “business use” thing is such a gray area—feels like the big companies just look for reasons to jack up rates. Local agents actua...

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