Car insurance discussions and local services.
debbie_rain
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RE: Rising CT premiums: minimum or stronger UM/UIM limits?
Collision and comprehensive protect the car, not your injury claim. If you’re considering dropping either to avoid lowering UM/UIM, compare its premium with what you could recover after a total loss: the car’s current va...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling always sounds like a sweet deal until you actually crunch the numbers. I tried it once, thinking I’d be rolling in savings, but nope - barely enough left over to buy a new air freshener for my ‘68 Mustang. Maybe...
RE: Would you risk a higher deductible to lower your insurance bill?
Honestly, I couldn’t agree more. I’ve been down the “high deductible” road myself - thought I was being clever, until a runaway grocery cart introduced itself to my ‘67 Mustang. Let’s just say, the deductible felt like a...
RE: How did you feel after your first accident and dealing with insurance?
I’ll admit, I’m not sure I buy the idea that all the paperwork is just some grand scheme to confuse us. I mean, yes, it’s a pain - my glovebox is basically a black hole of expired registrations and gas station napkins - ...
RE: Why does picking a deductible feel like a weird gamble?
I hear you on the deductible roulette. I remember when I first insured my ‘72 Chevelle - went with a low deductible because, well, I was terrified of anything happening to it. Then I saw the premium and nearly spit out m...
RE: Would you risk a higher deductible to lower your insurance bill?
That hits the nail on the head. I once upped my deductible on my ‘72 Chevelle thinking I’d save a bundle, but when I did the math, it was barely enough for a decent steak dinner once a year. Then, of course, some guy in ...
RE: Is Paying For Roadside Help Worth It Or Just Extra?
That’s the truth. I used to think my ‘68 Mustang and I could outsmart fate, but after spending a night with nothing but a flashlight and a bag of pretzels, I started appreciating the “expensive peace of mind” too. Someti...
RE: How I managed to stack discounts for military student drivers
Stacking discounts is great, but honestly, I’d trade every last one for a guarantee my phone battery wouldn’t die at the worst possible moment. I’ve had that exact “officer squinting at my phone” experience - felt like I...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
I get what you’re saying, but I’ve actually had a couple of insurers take the footage seriously - though I had to chase them harder than a carburetor rolling under the workbench. It’s not always a lost cause, even if it ...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? That spare tire analogy hits home - except I’ve actually had to use my spare more often than I’d like to admit. I used to think med pay was just a...