Car insurance discussions and local services.
dennischessplayer
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Topics and replies this member has contributed.
RE: Do you really need extra insurance for a rental in Montana?
I get where you're coming from, but I’d be careful relying solely on credit card coverage. A lot of people don’t realize those policies can have exclusions - like certain SUVs or trucks, or even country-specific restrict...
RE: How bad does a DUI mess up car insurance in Michigan?
That's a common complaint with those telematics apps - they're not always forgiving if your daily commute means a lot of stop-and-go. On the topic of DUIs in Michigan, though, I'd say that's a much bigger hit to your rat...
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
That’s not overkill at all, especially with something as tricky as a classic. Policies can look straightforward, but the details on who’s covered can get murky fast - especially when it comes to “permissive use.” Every i...
RE: Things I wish I'd known before picking my first insurance
That’s a fair point, and honestly, I’ve seen both sides of this play out. On one hand, the “bare bones” approach can seem appealing - why pay for coverage you might never use? But like you said, when something unexpected...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
You’re not wrong - it really does feel like the system’s stacked against parents with teen drivers, no matter how careful you are. I’ve seen families go through all the hoops: tracking mileage, limiting driving, even par...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
That’s the part that frustrates most people, honestly. I see a lot of folks surprised by what’s not included until they need it. Do you think bundling essentials like rental and roadside would really make rates more tran...
RE: Finding decent car insurance in Delaware without losing your mind
Honestly, that tracks. The smaller shops have more wiggle room for things like fees, but when it comes to actual rates, even they’re usually tied to what the carrier allows. I’ve seen some folks get discounts for bundlin...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
Rising premiums for business vehicle fleets - anyone else notice this? You nailed it with the mirror story - those “simple” repairs are anything but now. I’ve seen clients get sticker shock when a cracked bumper turns i...
RE: Little-known trick with Progressive’s roadside help
That’s the catch, isn’t it? “Usually” being the key word. I’ve seen plenty of classics on the side of the road, too - sometimes it’s just a different set of headaches. The “smart” cars can be a pain when the dashboard li...
RE: Insurance tips for my vintage ride needed
That’s the thing - paper trails still seem to carry more weight, even now. I’ve seen clients get pushback when all they had were digital scans or phone pics, especially if the work was done at smaller shops. Out of curio...
RE: Would your insurance hold up if your EV battery suddenly failed?
I think you're right to feel skeptical about battery reliability long-term. From an insurance perspective, EV batteries are still kind of in a gray area. Most standard auto insurance policies cover sudden and accidental ...
RE: little-known ways to snag cheaper insurance in Alaska
I get where you're coming from, but I'd be cautious about assuming DIY anti-theft installations always lead to insurance savings. From my experience, insurers typically offer discounts only if the system meets certain st...
RE: saving cash on insurance when you're young and broke
I can definitely relate to this sentiment. A few years back, I decided to trial one of those black box policies myself, mostly out of professional curiosity and partly to see if the savings were genuinely worthwhile. Whi...
RE: Finally figured out how car insurance works in no-fault states
Good point about raising the deductible - I often suggest that to clients who are hesitant about comprehensive coverage costs. Still, I've seen cases where a higher deductible ends up feeling just as painful if something...
RE: stuck between Geico and Progressive in NY, thoughts?
This is spot-on. I've dealt with both Geico and Progressive claims in NY, and honestly, the insurer's name didn't seem to matter much when it came to roadside assistance. A couple years back, I got stranded near Syracuse...