Car insurance discussions and local services.
dennismeow613
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Topics and replies this member has contributed.
RE: How picking a “boring” car turned into a wallet win
That’s interesting - my experience was almost the reverse. I went for a “boring” sedan thinking it’d be cheap and drama-free, but the insurance was actually higher than I expected because of my driving record. Funny how ...
RE: How bad does a DUI mess up car insurance in Michigan?
It’s wild, right? I remember calling one company and they pretty much laughed at my record, then quoted me something outrageous. Next place I tried just asked a couple questions and gave me a number I could actually work...
RE: How is ACV not just a fancy way to pay us less?
Man, I hear you. I once put fresh Michelins on my old WRX a month before it got totaled - insurance didn’t care one bit. All that cash, just gone. At this point, I keep receipts mostly for my own sanity... and maybe to g...
RE: Is gap insurance worth it for new cars in Hawaii?
Can’t argue with any of that. I used to think gap insurance was just another upsell, but after my last car got rear-ended by a tourist in a rental (who then tried to blame me for “stopping too suddenly” at a red light), ...
RE: What happens if your rideshare app is between trips and you get into an accident?
That’s wild - my rates are already sky-high from a couple tickets, so I can’t risk a denied claim. I’ve heard some companies offer “gap” coverage for that in-between time, but it’s not always clear what’s actually covere...
RE: How is ACV not just a fancy way to pay us less?
Yeah, I’ve run into this too, and it’s honestly kind of a rude awakening. When my rates shot up after a couple tickets, I started paying way more attention to the fine print. I had this old Civic that was still running f...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I used to think UM coverage was just another way for insurance companies to squeeze more money out of me, but after my second not-at-fault accident (both times the other driver had no insurance), I changed my mind real q...
RE: Why does insurance cost more in Houston than Austin or Dallas?
I wish I could say the tracking apps helped me out, but honestly, it’s been the opposite. I’ve got a couple of speeding tickets on my record, and even though I tried to drive “by the book” with the app on, it still dinge...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
Been there, too. After my second speeding ticket, my rates shot up and I figured the only way to keep driving was to grab the bare minimum coverage. Looked great on paper - until I got sideswiped in a parking lot and sud...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
You nailed it. I’ve had my fair share of those “hard braking” dings, even when I’m just dodging a pothole or dealing with a tractor on the shoulder. The irony is, sometimes driving safe for the road conditions gets you f...
RE: Confused about insurance rules in South Dakota - help me figure this out
I totally get the “just in case” mentality. I’ve been pulled over more times than I care to admit (lead foot plus a string of bad luck), and I learned the hard way that having backup paper copies is a lifesaver. One time...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Tried bundling last year, and honestly, it shaved maybe $10 a month off - not the miracle I hoped for. Switched mid-policy once after a fender bender hiked my rates, and the new company didn’t care about the incident sin...
RE: anyone else feel like AAA insurance isn't what it used to be?
I hear you on the perks - I always thought I’d use the hotel discounts, but when I actually checked, the rates weren’t much better than what I found online. The DMV stuff, though, did save me a headache once. I renewed m...