Car insurance discussions and local services.
dennisgardener
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Topics and replies this member has contributed.
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
You nailed it with that - telematics is a joke up here. I tried it too, and it just punished me for driving like a sane person in winter. If these companies want us to drive “smoothly,” maybe they should spend a week dod...
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
Honestly, I don’t trust the “occasional use” loophole at all. My cousin’s kid borrowed their car a few times a month, and when she got into a fender bender, the insurance company tried to wriggle out of paying because sh...
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
Honestly, I couldn’t agree more. When my oldest started driving, I called our agent and got three different answers depending on who picked up the phone. It’s like they WANT you confused. We only added her after she star...
RE: Why did my GEICO premium jump so much this year?
Honestly, I think you’re spot on about not dropping coverage just to save a few bucks. People always talk about “cutting the fat” from their policies, but when you actually need something like rental reimbursement or roa...
RE: How picking a “boring” car turned into a wallet win
I get where you’re coming from, but honestly, I’ll take boring and reliable over “fun” any day, especially with kids in the back. I drove a Mazda6 for years - maybe not a thrill ride, but it never left me stranded or hit...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
Bundling’s been the only thing that’s made a real dent for us too. The mileage caps are just out of touch - if you’ve got kids, a job, and any kind of life up here, you’re blowing past 7,500 miles before you know it. I’v...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
I get where you’re coming from, but I’m honestly not convinced all this tech is actually making things better for the average driver or business fleet. You mentioned, That’s exactly it. If these cameras and sensors a...
RE: little-known ways to snag cheaper insurance in Alaska
Bundling’s never saved me much, honestly - maybe a few bucks, but nothing to write home about. I’m more skeptical about telematics, though. My buddy tried it and his rate shot up after one winter of icy roads. Has anyone...
RE: Insurance renewal hikes caught me off guard
Honestly, I’ve been burned by just clicking “renew” out of habit, then realizing a month later I’m paying $300 more a year for basically nothing new. The last time, I called my agent and got a bunch of nonsense about “ma...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE? That “decent” quote is usually just the bait to get you hooked, then you find out about all the stuff that’s not covered once you actually need it. Learned that one the ...
RE: how bad would insurance spike after a DUI in Idaho?
Yeah, bundling barely made any difference for me either. When my brother got a DUI, his insurance basically doubled overnight. Ended up switching companies after shopping around - still expensive, but way better than sti...
RE: Insurance tips for my vintage ride needed
Totally agree with this. Had an old family wagon insured for years, and tweaking deductibles was a lifesaver. Just don't go too high - one fender bender taught me that lesson the hard way...
RE: lent my car to a friend, insurance got messy real quick
Yeah, classic car insurance is a whole different beast. Honestly, even regular family car policies can get messy fast if someone else drives your vehicle without being listed. I learned that the hard way when my brother ...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Yeah, insurers can be weirdly picky about this stuff. When my wife had her accident, the insurance company insisted on talking directly to her supervisor even though HR had already sent over all the paperwork. Felt redun...
RE: insurance denied my claim - what would you do?
Had a similar run-in last year when some genius backed into my bumper at the grocery store. Insurance tried to label it "minor cosmetic damage," claiming it wasn't worth their time. I didn't bother with a drawn-out appea...