Car insurance discussions and local services.
comics_jeff
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RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
Yeah, it’s wild how vague it all is. I tried to get a straight answer from my agent once and just got a bunch of “it depends.” Makes me nervous lending my car out, honestly. One fender bender and suddenly you’re in insur...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
I used to feel guilty about all those “just grabbing coffee” drives, but honestly, my odometer barely budges unless I’m heading out of town. My insurance actually dropped a bit when I showed them my mileage was low. Just...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
Yeah, those little GPS dongles give me the creeps. I’d rather snap a photo of my mileage than feel like Big Brother is riding shotgun. I do kinda wish the discounts were more straightforward though. Like, why do I have t...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
I get wanting to trim the fat on coverage, but I actually keep rental on mine even though I rarely use it. Had a breakdown on a road trip once - middle of nowhere, no friends or family nearby - and that rental coverage s...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling with USAA definitely helped me cut down on some costs, but I get what you mean about not skipping the umbrella. I drive a ‘17 Tacoma and haul a teardrop camper all over the place - sometimes I’m in random states...
RE: Why California’s minimum car insurance might not be enough
Yeah, I hear you. I used to think I was being smart by just sticking with the minimum, but after a road trip buddy of mine got rear-ended in LA, the costs were way more than what his insurance covered. He ended up dippin...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Yeah, it’s wild how much your zip code can mess with your rates. I remember looking at quotes when I was planning a cross-Texas trip and just for fun, I plugged in different cities - Houston was always higher. I get why ...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
Honestly, you nailed it with the fine print thing... that stuff always gets me. I’ve been burned before thinking I had “unlimited” tows, only to find out it was like, three per year and then they start charging you. The ...
RE: stuck between Geico and Progressive in NY, thoughts?
Honestly, I hear you on the headache part. I’ve had Geico in NY for a while and their roadside assistance saved my butt once, but the claim process felt like pulling teeth. Progressive quoted me lower, but I got nervous ...
RE: Little-known trick with Progressive’s roadside help
I used to think roadside help was just another way for insurance companies to squeeze a few extra bucks out of you, but after my battery died in the middle of nowhere last fall, I changed my tune real quick. Towing fees ...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, AAA can be hit or miss depending on where you're stuck. Had a flat tire near Asheville once, and the wait was brutal...but like you said, Glad it worked out for you!
RE: Insurance tips for my vintage ride needed
Good shout on the security devices - saved me a few bucks on my camper. One thing I'd add: watch out for mileage limits. Got a buddy who thought he was covered for his cross-country trip... turns out, not so much. Worth ...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Yeah, I've had similar thoughts about this. Dashcams are great, but they're definitely not foolproof. A buddy of mine got sideswiped on a road trip last summer, and his dashcam caught the whole thing pretty clearly - lic...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, AAA's definitely not the same as it used to be. I remember a few years back, I was planning a cross-country road trip and figured AAA was the safest bet - good reputation, roadside assistance, all that jazz. But wh...