Car insurance discussions and local services.
D_Richards78
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
I get the hesitation - $1,000 feels like a lot when you’re just starting out. I remember my first policy; I went with the lower deductible too. It’s not just about the numbers, it’s about peace of mind, especially when y...
RE: Getting caught without car insurance in Iowa is no joke
I’ve actually had the opposite experience - last year during a routine stop, I showed my insurance on my phone and the officer didn’t bat an eye. Maybe it depends on the department or even the individual? I get the conce...
RE: Classic car insurance and the annual mileage cap - worth it?
That’s a smart move with the reminders - honestly, it’s easy to lose track, especially if you take the car out for a few extra weekend drives. I’ve always wondered how strict different insurers are about those caps. Have...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I get where you’re coming from, but I’ve had a different experience with State Farm. Their rates for classic cars weren’t competitive at all, and the claims process felt a bit slow compared to Hagerty or even Progressive...
RE: How I managed to stack discounts for military student drivers
I totally get where you’re coming from - insurance reps rarely lay out all the options unless you ask, at least in my experience. I actually keep a spreadsheet for my policies, including every discount I’ve qualified for...
RE: anyone else feel like AAA insurance isn't what it used to be?
I get where you’re coming from, but I’ve actually had a few positive experiences with the app - at least compared to the old phone system. Maybe it’s just luck or my area, but last month when my ‘72 Cutlass wouldn’t star...
RE: Why does picking a deductible feel like a weird gamble?
It’s interesting you mention the psychological side of it, because I’ve definitely felt that tug-of-war myself. With my classic cars, I’m almost paranoid about coverage, but with my daily driver, I tend to lean toward a ...
RE: Someone smashed my parked car - deal with insurance or call the cops?
I get where you’re coming from, but I’d argue that calling the police - even for what seems like a minor incident - can make a big difference, especially for those of us who own older or specialty vehicles. In my experie...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
It’s surprising how many people get caught by the “full coverage” label - definitely more marketing than substance. On the aftermarket side, I’ve actually had some success, but it’s never as straightforward as you’d hope...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
Couldn’t agree more. I learned that the hard way with my ‘68 Mustang - thought I’d scored a deal, but when a hailstorm hit, the “comprehensive” coverage turned out to be more like “comprehensive-ish.” Ended up paying out...
RE: Just saved a chunk of cash on car insurance after defensive driving course
I get your point about subtle distractions, but honestly, sometimes those dramatic scenarios do serve a purpose. Years ago, I saw one of those cheesy staged videos about texting and driving - thought it was ridiculous at...
RE: Insurance tips for my vintage ride needed
Yeah, the garage requirement can definitely be a sticking point. I've encountered similar issues myself when insuring my '68 Camaro. Initially, I assumed a sturdy carport would suffice, but insurers tend to be pretty str...
RE: Confused about Illinois car insurance rules - anyone else?
That's been my experience as well. Last summer, my '67 Mustang broke down just outside of Springfield, and insurance roadside assistance quoted me nearly two hours. Ended up calling a local towing company instead - they ...
RE: Quick Tips for When Your EV Leaves You Stranded
Good points all around. Even as someone who prefers classic cars, I can appreciate the logic behind this: It's similar to how I always carry spare parts and tools - because you just never know when you'll need them......
RE: Can Military Folks Really Get Cheaper Insurance Rates?
You bring up a solid point about the unintended consequences of driving trackers. I've considered them myself, and honestly, it does feel like you'd end up hyper-aware of every little maneuver. I drive classics, and the ...