Car insurance discussions and local services.
ericcamper
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Topics and replies this member has contributed.
RE: Finding decent car insurance deals on the islands - my step-by-step
Bundling’s about the only trick that’s worked for me too. I’ve got a couple classics and the regular daily, and honestly, the “multi-car” thing barely moved the needle. Ever tried those specialty insurers for older cars?...
RE: Classic car insurance and the annual mileage cap - worth it?
I get the whole mileage cap thing for saving money, but honestly, it kind of kills the fun sometimes. I mean, what’s the point of having a classic if you’re worried about going over some arbitrary number? My ‘72 Chevelle...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
Nailed it. I’ve had spotless records get me nothing but a “congrats” letter at renewal. Swapped to a smaller outfit last year and they actually noticed my classic truck - knocked a few bucks off for low mileage. Bundling...
RE: Finding decent car insurance in Delaware without losing your mind
You nailed it with the Christiana Mall parking lot comparison - finding a decent rate in Delaware really does feel like a contact sport. I’ll add, if you’ve got an older car (especially anything classic or “vintage,” eve...
RE: USAA vs State Farm: which claims process is less of a headache?
Honestly, I hear you. Last year, my ‘72 Chevelle got rear-ended and dealing with State Farm was a circus. Had all my paperwork, photos, the works - still took forever and I had to explain the same thing to three differen...
RE: USAA vs State Farm: which claims process is less of a headache?
Yeah, that’s the thing - I’ve had similar headaches with apps, especially when you’re out in the middle of nowhere at a car show or something. Has anyone actually had USAA’s process work smoothly, or is it just as glitc...
RE: stuck between Geico and Progressive in NY, thoughts?
Yeah, the “service area” thing is a joke out here. I’ve had Progressive for years and honestly, their roadside isn’t much better. Last winter, my ‘72 Chevelle died on a back road and the tow guy called me twice just to a...
RE: Someone smashed my parked car - deal with insurance or call the cops?
Ain’t that the truth. Last time someone dinged my ‘72 Chevelle, I must’ve snapped 40 shots from every angle - felt like I was prepping for a Barrett-Jackson auction, not an insurance claim. Honestly, it’s a pain, but if ...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
I hear you on the local agent thing. Had a similar deal with my ‘72 Chevelle - big company just saw “old car, high risk” and gave me the runaround. Local guy actually knew what it was and didn’t treat me like I was tryin...
RE: Confused about Illinois car insurance rules - anyone else?
Dashcams are handy, sure, but honestly even perfect placement won't always save you. Had a buddy with crystal-clear footage and insurance still dragged their feet. Illinois regs don't help either - feels like they're des...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Yeah, regular insurers just don't get classics. Had a similar headache with my '72 Mustang - garage queen, barely touched pavement, but treated like I'm street racing daily. Specialty insurers saved me some cash and sani...
RE: lent my car to a friend, insurance got messy real quick
Been there myself, man. A few years ago, I let a buddy borrow my '68 Mustang for a weekend - he's a good driver, knows his classics - but sure enough, someone backed into him in a parking lot. Damage wasn't terrible, but...
RE: saving cash on insurance when you're young and broke
Been there too, man. Back in my early 20s, I drove around in this beat-up '74 Camaro with the bare minimum coverage - basically just enough to keep me legal. Thought I was invincible until some dude rear-ended me at a st...
RE: anyone else feel like AAA insurance isn't what it used to be?
AAA's always been hit or miss for me, to be honest. Had a breakdown once right in the middle of town around lunchtime - figured they'd be quick, right? Nope... waited nearly two hours. Another time, stranded out in the s...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Good points on PIP, especially about the smaller stuff people overlook. Years back, I had a minor fender bender in my old Mustang (still miss that car...). Wasn't anything serious, but the other driver ended up claiming ...