Car insurance discussions and local services.
danielfoodie
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Topics and replies this member has contributed.
RE: Is gap insurance worth it for new cars in Hawaii?
Honestly, I learned the hard way. First car I bought here, I skipped gap coverage because I figured I’d keep it forever. Fast forward a couple years, and between the salty air and my daily commute on H1, the thing was ru...
RE: is accident forgiveness really worth it in Ohio?
I get what you mean about the “safety net.” I drive 60+ miles a day for work, and honestly, I’ve never used accident forgiveness either. - yeah, that’s my gripe. Has anyone here actually had their rates jump after a fir...
RE: USAA vs State Farm: which claims process is less of a headache?
State Farm’s local agents are a lifesaver when you’re frazzled and just want to talk to someone who gets it. I’ve had both - USAA for years, then switched to State Farm after a friend’s recommendation. USAA’s app is slic...
RE: How do they actually decide when a car is “totaled”?
I get the “wishful thinking” part, but honestly, I’ve actually had an adjuster work with me on a stereo claim - just had to show receipts and photos from before the accident. Not saying it’s common, but sometimes it’s le...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Yeah, I hear you. My rates shot up after I moved just a few blocks over - same car, same driving habits, but suddenly I’m in a “riskier” area. It’s wild. Had my car parked in a garage the whole time, too. Doesn’t seem li...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, I’ve had cashiers give me the “system won’t let me” excuse too, but honestly, half the time it’s just store policy. I once tried to use points and a coupon at a pharmacy - cashier just shrugged and said, “We’re not...
RE: Finding decent car insurance in Delaware without losing your mind
Rental reimbursement is one of those things I used to skip, too - figured I’d just tough it out if my car died. Then I spent three days bumming rides and waiting for a tow truck that never showed up on time. Ten bucks su...
RE: Insurance paid way less than what it cost me to replace my roof
Had a similar headache with my car after a hailstorm. Adjuster showed up, took a bunch of photos, and then told me half the dents were “pre-existing.” I argued, but without any real proof, it was just my word against the...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Honestly, I get the nostalgia factor, but I’ve seen these “landmark” cars turn into rust buckets that just take up space. Where I live, the city doesn’t really bother unless someone complains, but once they do, it’s a ti...
RE: Drowning in Forms: What If Your Insurance Docs Got Lost?
Had a similar wake-up call last winter. Got rear-ended on my way home, nothing serious, but when the officer asked for insurance, my phone was at 2% and decided to shut down right then. Talk about timing... Thankfully, I...
RE: Confused about insurance rules in South Dakota - help me figure this out
Years ago, I laminated my insurance card thinking I was being smart. First time I got pulled over, the cop squinted at it like I'd handed him something from Mars. He didn't ticket me, but he gave me a mini-lecture about ...
RE: stuck between Geico and Progressive in NY, thoughts?
Had a similar situation myself, but with Progressive. Was commuting home from work last January when I hit some black ice and ended up halfway in a ditch - nothing major, just embarrassing as hell. Called Progressive's r...
RE: Are those price-checker sites actually reliable?
Those price-checker sites can be hit or miss. Last year I ordered brake pads that were supposedly the "best deal," but turns out the seller was sketchy and shipping took forever. Like you said: Now I just use them as ...
RE: how bad would insurance spike after a DUI in Idaho?
Had a buddy go through this in Idaho about three years back - first renewal after the DUI was brutal, almost double what he paid before. But after two clean years, things mellowed out noticeably. Still pricey, but manage...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I get the peace of mind angle, but honestly, I used to think higher deductibles were the way to go - until reality smacked me in the face. A couple years ago, I was driving home after a long shift, totally exhausted and ...