Car insurance discussions and local services.
diy_richard
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
Honestly, the higher deductible just makes more sense for us too. We’ve only had one minor fender bender in five years, so the savings add up. But I do wonder - has anyone actually crunched the numbers after a windshield...
RE: Getting that student discount on car insurance… not as easy as I thought
That’s spot on - color is just a myth when it comes to insurance rates. I used to think the same thing, like a red car would somehow cost me more, but nope. It’s all about the mechanical stuff and safety ratings. - My l...
RE: is accident forgiveness really worth it in Ohio?
For me, it comes down to how much you drive and who’s behind the wheel. In our house, with two teens learning, accident forgiveness isn’t just peace of mind - it’s almost necessary. One minor fender bender and our rates ...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
- Tried that with my provider last year - got a tiny discount, but it barely covered the increase. - Noticed some companies are more flexible than others. State Farm was rigid, but GEICO budged a bit. - The paperwork for...
RE: Do you really need extra insurance for a rental in Montana?
Totally get where you’re coming from. I’ve actually had to file a claim with my own auto insurance for a rental (not in Montana, but still rural). Here’s what happened: - My policy covered it, but it took weeks of back ...
RE: Classic car insurance and the annual mileage cap - worth it?
Totally get where you’re coming from. The “use-it-or-lose-it” thing bugs me too, especially when life gets busy and the car just sits. I’ve had years where I barely hit half my cap, then the next year I’m double-checking...
RE: Would your insurance hold up if your EV battery suddenly failed?
- Totally agree on the sticker shock. - - that’s the nightmare, right? - I’ve looked into those third-party battery plans too. Most seem to have so many exclusions, it’s almost like buying a lottery ticket. - Wish...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
You make a good point about smaller insurers stepping up, but I'm not completely sold on the idea that local always equals better, especially after a mishap. A couple things I'd consider: - **Claims Handling:** Big insu...
RE: Confused about Illinois car insurance rules - anyone else?
Mileage clauses can help, sure, but they're not always the best fit for everyone. A few things to keep in mind: - Mileage limits can be tricky if your driving habits change unexpectedly (job switch, moving, etc.). - Wat...
RE: how bad would insurance spike after a DUI in Idaho?
Yeah, shopping around for insurance can feel like a full-time job at first. Couple quick tips from my experience: - Definitely compare quotes carefully - sometimes the cheapest isn't always the best coverage. - Check if...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Those are fair points, but I'd say the value of a lower deductible really depends on your own financial situation more than anything else. Personally, I've done the math a few times and found that the savings from a high...
RE: Scored a Sweet Auto Insurance Deal Thanks to My Military ID
Dashcams are definitely worth it from my experience, but there are some things to keep in mind: - Video quality matters a lot. I had a cheaper one initially, and the footage was pretty much useless at night or in heavy ...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Good tips above, especially bundling - that's saved me a decent chunk over the years. Honestly, I wouldn't sweat the calls...you're just being proactive. Insurers expect customers to shop around, it's just smart budgetin...
RE: saving cash on insurance when you're young and broke
Low mileage discounts can help, but honestly, they're usually pretty modest. A better bet might be looking into usage-based insurance (UBI) - basically, insurers track your driving habits through an app or device and adj...
RE: insurance for risky drivers - who knew this was a thing?
- Had a similar experience myself - though mine was more about a fender-bender than speeding. - Premiums jumped noticeably, but yeah, the whole high-risk thing wasn't as scary as it sounded. Just pricier. - Weirdly enoug...