Car insurance discussions and local services.
culture439
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RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
- I’ve heard mixed things about Shelter’s speed, too. Cheaper rates are nice until you’re stuck waiting. - State Farm’s been quick for my parents, but their premiums are creeping up every year. - Anyone ever had luck...
RE: How bad does a DUI mess up car insurance in Michigan?
Yeah, after my cousin’s DUI, his insurance went through the roof - like, not just a little bump, but almost triple. He had to go with one of those high-risk companies and the deductible was brutal. The paperwork was a ni...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I hear you on the fine print - got burned by a “3-day max” clause once and ended up paying out of pocket for the rest. Curious, has anyone here actually had a smooth claim process with their Kentucky insurer? Or do they ...
RE: Would you risk a higher deductible to lower your insurance bill?
I hear you on the peace of mind thing, especially if you’ve had a few bumps in the road. I’m kinda on the fence about it myself. Here’s how I break it down for my own situation: - My driving record’s pretty clean, but I...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
- Totally get the stress - insurance companies love their fine print. - Permissive use usually covers it, but I’ve heard stories where they dig for reasons to deny claims. - Personally, never had to file one like that, b...
RE: Why Is PIP Mandatory In Some States But Not Others?
I get where you’re coming from. Here’s how I look at it: - PIP definitely covers stuff health insurance just doesn’t touch - lost wages, yeah, but also things like getting someone to help around the house if you’re laid...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I’m always torn on this. I’ve skipped the extra insurance a bunch of times and never had an issue, but I know that’s just luck. My regular policy covers rentals, but the deductible is pretty steep. One time I g...
RE: Insurance paid way less than what it cost me to replace my roof
- Yeah, I’ve run into the same thing - felt like I was prepping for a science fair with all the measuring and labeling. - Not sure if it’s just red tape or if they’re hoping people get frustrated and drop it. - I sta...
RE: little-known ways to snag cheaper insurance in Alaska
Yeah, that’s been my experience too. I commute daily, so I figured I was out of luck on most discounts, but I did get a small break for paperless billing and paying in full. Honestly, I was skeptical about the defensive ...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Honestly, I’m with you on the “save the difference” thing - easier said than done. Story of my life. I’ve tried the higher deductible route, but one minor accident wiped out months of careful budgeting. For me, paying a...
RE: Deductibles and premiums - what's the real deal?
Here’s how I look at it: - High deductibles sound good on paper, but if you actually have to use your insurance, the sticker shock can be brutal. I had a buddy with a newer F-150 who thought he’d never need to file a cl...
RE: My insurance nightmare in Rhode Island traffic court
Yeah, I’m with you on the backup paper copy. I’ve had officers act like my phone was some kind of magic trick - one even asked if I could “print it out real quick.” Not always practical, right? Honestly, I don’t totally ...
RE: Insurance paid way less than what it cost me to replace my roof
- Fair points, but to be honest, adjusters probably aren't trained specifically in vintage cars or specialty roofs. They're dealing with everything from hail damage to kitchen fires, so expecting them to know the ins-and...
RE: Would your insurance hold up if your EV battery suddenly failed?
I've been wondering the same thing myself lately. From what I've seen and heard, here's my take: - Insurance companies are definitely cautious about EV batteries. Think about it - these batteries can cost half the car's...
RE: stuck between Geico and Progressive in NY, thoughts?
Gotta admit, never thought about calling repair shops directly...seems obvious now that you mention it. I've always been skeptical about relying on big-name commercials - flashy ads don't fix your car when you're stuck w...