Car insurance discussions and local services.
collector25
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RE: How much medical-payments coverage is reasonable for a high-risk driver?
The $5,000, $10,000, or $25,000 choice can look very different depending on how the policy applies the limit. Check whether MedPay is **per person or per accident**, and whether passengers are included. A $10,000 per-per...
RE: Do I really need extra insurance when renting a car in VA?
I hear you on the paperwork nightmare - been there, too. My driving record isn’t exactly spotless, so I always wonder: if something happens, will my own insurance even cover me, or will they jack up my rates? Sometimes I...
RE: Bundling insurance with USAA: worth it or just hype?
I’ve actually had to file a couple claims with USAA since my driving record isn’t the cleanest, and honestly, bundling didn’t make the process faster for me. It was more about having all my info in one spot, which was ni...
RE: What happens if your rideshare app is between trips and you get into an accident?
Man, I totally get what you mean about needing a law degree. I remember when I first tried to figure out “period 1” coverage, I ended up with like six tabs open and still didn’t feel any smarter. Have you tried calling y...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I’ve added my brother for a week once (he was visiting from out of state), and my agent said it wouldn’t affect my rates unless he actually got into an accident. They did ask a bunch of questions, though, which felt like...
RE: Do you really need extra insurance for a rental in Montana?
I get why people want the extra insurance, but honestly, I’ve skipped it a bunch of times in Montana and just crossed my fingers. Maybe I’m playing with fire, but I figure if you drive carefully and avoid night driving (...
RE: Finding budget-friendly auto insurance in Alabama: my step-by-step
Man, I totally get where you're coming from. I thought my policy had me covered for just about everything until I actually needed it. The animal thing? Had a raccoon chew through some wiring in my old Civic a few years b...
RE: little-known ways to snag cheaper insurance in Alaska
Title: Little-Known Ways to Snag Cheaper Insurance in Alaska Man, I hear you on the moose thing - my last claim was literally because a moose decided to cross the road at the worst possible time. I swear, only in Alaska...
RE: Are those price-checker sites actually reliable?
I totally get what you mean. Last year, I checked three different price-checker sites before renewing my insurance, and the quotes were all over the place. When I actually called the company, my rate was way higher than ...
RE: how bad would insurance spike after a DUI in Idaho?
Good call on the mileage-based programs, but do you know if those telematics things penalize you for late-night driving or sudden braking? Heard mixed things about that. I had a DUI a couple years back and my rates jumpe...
RE: little-known ways to snag cheaper insurance in Alaska
That's interesting about the tires - I never even thought to mention mine. Wonder if they'd still give me a discount considering my driving record isn't exactly spotless, haha. Has anyone had luck with discounts for dash...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
That's interesting...I wonder if your buddy's experience is typical or just a one-off thing? I've had my share of tickets (let's just say I'm no stranger to traffic court), and honestly, smaller agencies have been pretty...
RE: bare minimum vs. extra coverage in SC - worth the extra bucks?
Yeah, I totally get where you're coming from. Honestly, as someone who's had a couple of fender-benders (nothing major, thankfully...), I'd lean towards getting a bit more than the minimum. The basic coverage might seem ...