Car insurance discussions and local services.
emilym30
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Topics and replies this member has contributed.
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
I hear you on the “just a number” feeling - big companies can be like that. My experience with State Farm was similar: nothing bad, just kind of... generic? Shelter actually felt a bit more personal when I called about m...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
Honestly, I still keep both just because my luck is terrible - if I ever ditched the paper, that’d be the day my phone decides to die. But yeah, snapping a pic and favoriting it is way easier than fiddling with some insu...
RE: Do you really need extra insurance for a rental in Montana?
I hear you on the peace of mind part. I used to skip the extra insurance, but after a deer ran out in front of my rental near Bozeman, I changed my tune. My credit card covered some of the damage, but dealing with both t...
RE: Car insurance in Wyoming: who actually treats you right?
Yeah, I hear you on the “full coverage” not meaning what you think it does. I got burned on that with a deer hit - turns out my deductible was higher for “animal collisions” than anything else, and nobody mentioned it un...
RE: Do you really need extra insurance for a rental in Montana?
Yeah, I totally get where you’re coming from. The fine print is always the kicker - - and it’s so easy to miss something important. I’ve had friends get burned by undercarriage damage not being covered, and it turned in...
RE: Finding decent car insurance deals on the islands - my step-by-step
Insurance really does feel like a game you can’t win sometimes. I hear you on the app thing - mine flagged me for “aggressive acceleration” when I was just merging onto the highway. Honestly, it’s like they want you to d...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Yeah, I’ve been burned by that before - thought my windshield chip was covered, turns out “glass” meant side windows only. Who knew? Definitely makes me read the fine print now, even if it’s boring as heck. Insurance is ...
RE: Would you risk a higher deductible to lower your insurance bill?
I hear you on the backseat chaos - mine looks like a snack graveyard half the time. I’ve done the higher deductible thing too, but I always worry I’ll get hit with a big bill right when my “rainy day” fund is bone dry. G...
RE: Why did my GEICO premium jump so much this year?
Seriously, it does feel random sometimes. I had a windshield chip last year and my rate still jumped, even though it wasn’t my fault. Loyalty discounts barely make a dent anymore. Shopping around is the only thing that’s...
RE: Why does picking a deductible feel like a weird gamble?
Honestly, I kinda see it the other way. I get that “the anxiety of a big, unexpected bill just isn’t worth the few bucks I’d save,” but for me, those monthly payments add up fast. I’d rather take my chances and keep more...
RE: Classic car insurance and the annual mileage cap - worth it?
Totally get this. There’s something about a classic that just begs for an extra lap around the block. I’ve always felt like the mileage cap takes away from the whole experience. I’d pay a bit more too if it meant not str...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Honestly, I’ve wrestled with this too. That’s the kicker for me - I always *think* I’ll leave the emergency fund alone, but life happens. Curious if anyone has actually had to pay a high deductible out of pocket and reg...
RE: Would your insurance hold up if your EV battery suddenly failed?
That's interesting, because I had a similar conversation with my agent when I first got my EV, and honestly, he seemed pretty clueless about the whole battery situation too. He kept referring me back to the manufacturer'...
RE: Finally figured out how car insurance works in no-fault states
I was skeptical too, honestly, until someone sideswiped me and then claimed I drifted into their lane. Insurance was ready to split fault 50/50, but luckily I had dashcam footage clearly showing I stayed in my lane. Sent...
RE: Scored a Sweet Auto Insurance Deal Thanks to My Military ID
Totally agree about double-checking coverage, especially on classics. Learned that lesson myself restoring my dad's old Mustang. Thought I had full coverage until a hailstorm dented the hood - turns out they only covered...