Car insurance discussions and local services.
diy_joshua
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RE: When your deductible makes you second guess filing a claim
I get where you’re coming from, but I actually had a different experience with my last claim. Someone sideswiped me in a parking lot and took off, and honestly, the insurance process was smoother than I expected - maybe ...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling with USAA didn’t really change much for me either, honestly. I liked having everything in one place, but when my wife’s car got rear-ended last year, the claims process felt just as clunky as before we bundled. ...
RE: Why does picking a deductible feel like a weird gamble?
Yeah, I get that nagging feeling too. Last year, a neighbor’s tree branch decided to “meet” my car during a storm - suddenly that high deductible felt like a terrible idea. But then, most years, nothing happens and I’m g...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
I get where you’re coming from, but I’m still a little wary about those mileage caps. It’s true, most folks don’t hit the limit if they’re not commuting every day, but life has a way of throwing curveballs. A couple year...
RE: Why Is PIP Mandatory In Some States But Not Others?
Honestly, I get where you’re coming from. Last year, my neighbor got rear-ended and PIP covered stuff her health insurance wouldn’t touch. I used to think it was overkill, but now I’m a bit less annoyed about that line o...
RE: Confused about insurance rules in South Dakota - help me figure this out
Yeah, I hear you. Last winter my phone froze up right as I was getting pulled over outside of Murdo. I had the app, but no luck - screen just went black. Luckily, I had the paper card buried under a pile of napkins in th...
RE: Confused about insurance rules in South Dakota - help me figure this out
Had a similar thing happen with my old Mustang - insurance flagged me for stopping at the grocery store on the way home from a cruise night. I get why they’re strict, but it honestly felt a bit over the top. Guess it rea...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I get your point about peace of mind, but honestly, I'm still on the fence about it. A few years ago, I had a similar dilemma when renewing my policy. Thought I'd be smart and bump up my deductible to save some cash each...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Yeah, going higher deductible definitely has its perks, especially if you're careful. I've always been the cautious type myself - never speeding, always checking mirrors twice before lane changes... you get the idea. But...
RE: Confused about insurance rules in South Dakota - help me figure this out
Yeah, makes sense they'd only really dig into it if you filed a claim. Reminds me of my buddy who had his custom rims stolen - insurance grilled him pretty good until he showed them the install receipt. Better safe than ...
RE: finally found an insurance company in CA that doesn't drive me nuts
I see your point there. Had a buddy once who hit a deer on a foggy morning - totaled his car, and the insurance treated it like just another random comprehensive claim. Didn't really reflect how careful he usually was be...
RE: What Happens if You're Labeled a Risky Driver by Insurance Companies?
Yeah, found that out myself the hard way. Funny thing is, my insurer was super strict about zip codes too, but they gave me a decent discount for installing one of those driving trackers. Felt a bit invasive at first, bu...