Car insurance discussions and local services.
dev_mocha
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Topics and replies this member has contributed.
RE: Rising CT premiums: minimum or stronger UM/UIM limits?
The comparison I’d want to see is the actual cost of matching UM/UIM to the bodily-injury liability limits, shown separately from other changes: - Current limits with the existing deductible - Higher UM/UIM limits with ...
RE: How I got my car registered and insured in MA (step-by-step, sorta)
Totally get where you’re coming from. The RMV process in MA is just... unpredictable. Here’s what I’ve noticed after a few registrations over the years: - No two visits are ever the same. Sometimes they want every scrap...
RE: How bad does a DUI mess up car insurance in Michigan?
Honestly, I’ve actually had a little luck shopping around after my cousin’s DUI - some smaller companies or local agents seemed more willing to work with him. Not a miracle fix, but he didn’t get stuck with the worst rat...
RE: How did you feel after your first accident and dealing with insurance?
Yeah, that “need more info” email always gets my heart rate up too. I’ve had a couple fender benders over the years and learned to keep a folder with everything - photos, receipts, even random texts. It’s wild how much y...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
Yeah, those apps can be a little too sensitive. My kid got dinged for “hard braking” once because a cat darted out - what else are you supposed to do? As for bundling, when my daughter got a ticket, our rate did go up, b...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
Couldn’t agree more. I’ve had my share of “adventures” on the side of the highway, and honestly, insurance roadside just doesn’t cut it for me anymore. Here’s what I’ve learned over the years: - Insurance roadside is fi...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
- Gotta say, I get where you’re coming from, but sometimes I think legal trouble can sting even more than lost trust. - Once had a buddy who got sued over a shady trade-in - cost him way more than just his reputation. ...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
- I hear you on that. Been driving around Kentucky for decades, and there are still spots where you can’t even get a single bar, let alone load an app. - Had a flat outside of Hazard last year - phone was dead, so I just...
RE: Confused about insurance rules in South Dakota - help me figure this out
Yeah, I’ve noticed the same thing - some officers are totally fine with digital proof, others act like you’re showing them a UFO. I keep both versions in my glove box just to avoid the hassle. Has anyone actually gotten ...
RE: Renting a car: stick with GEICO or pay for the rental company’s insurance?
Yeah, those “loss of use” fees can sneak up on you. I’ve had to argue with a rental company once when they tried to tack it on - my insurance didn’t fully cover it either. Now I always: - Check if my credit card offers ...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
I get what you’re saying about old tickets sticking around - feels like they never forget. But I’ve actually seen a bit of a drop after using telematics, though it took longer than I hoped. - Had one company knock off a...
RE: Finding decent car insurance in Delaware without losing your mind
Honestly, the way some of these policies split hairs over what counts as “glass coverage” is wild. Had a run-in last year where a rock took out my rear passenger window. Figured it’d be like a windshield - nope, not cove...
RE: How do they actually decide when a car is “totaled”?
- Yeah, it’s wild how much it can depend on who you get on the phone. I’ve had adjusters who seemed like they were reading from a script and others who actually listened. - From what I’ve seen, they usually total a car...
RE: saving cash on insurance when you're young and broke
Title: Saving Cash On Insurance When You're Young And Broke - I’ve had a tracker for about two years now. My discount was maybe $12/month after all the “safe driving” stuff. Not nothing, but not life-changing either. ...
RE: stuck between Geico and Progressive in NY, thoughts?
Stuck Between Geico And Progressive In NY, Thoughts? - Been driving in NYC for what feels like forever, and honestly, those “safe driver” trackers are a joke here. I tried one for a month - felt like I was being graded ...