Car insurance discussions and local services.
hiker59
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Topics and replies this member has contributed.
RE: When The Other Driver Has No Insurance And Dings Your Car
Had a similar run-in last year - guy sideswiped me in a parking lot, then tried to convince me his “friend” would fix it for cash. Here’s what I learned: always snap photos of everything (cars, plates, the person), call ...
RE: Saving a few bucks on insuring your vintage ride
That’s the part that always gets me. I’m all about saving money, but I’ve seen folks go too cheap and regret it big time. What’s worked for me is comparing policies every year - sometimes you can bump up coverage for jus...
RE: Why did my GEICO premium jump so much this year?
I know what you mean - my premium barely moved after years without a single ticket or claim. It’s like they only notice when something goes wrong, not when you’re doing everything right. I did call once about the defensi...
RE: Classic car insurance and the annual mileage cap - worth it?
I’ve worried about that too, but from what I’ve seen, it’s usually just a recalculation or extra charge at renewal. Haven’t heard of outright claim denials unless someone’s really trying to game the system. I track my mi...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
I totally get where you’re coming from - insurance companies love to sneak in those price hikes after a claim. I’ve actually switched back and forth between my insurer’s roadside and AAA. For me, AAA ended up being more ...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
I feel this. My camera roll is basically 80% screenshots I never look at again and blurry receipts. What’s worked for me is making a “Docs” album - takes two seconds, and at least I know where to scroll. As for the glove...
RE: Mileage-based car insurance: who’s using it and which company do you like?
I hear you on the tech headaches. I tried one of those mileage trackers for a few months - saved a bit, but the app kept flagging my normal stops as “hard braking.” Honestly, if your car’s older, it’s probably not worth ...
RE: Dealing with car insurance headaches in MA - any tips?
Honestly, I think it’s possible to get a halfway decent rental without shelling out for the “upgrade” - but you’ve gotta play it smart. First thing I do is skip the insurance company’s default rental partner and check if...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
Yeah, it’s getting out of hand. I remember when a fender bender meant a couple hundred bucks and you were back on the road in a day or two. Now, if you tap something, there’s a sensor or camera behind it and suddenly you...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
HIGH DEDUCTIBLE: WORTH IT OR JUST STRESSFUL? I actually went with a higher deductible last year, thinking I’d save a bunch. It does knock the monthly down, but honestly, every time I hear a weird noise or see a rock fly...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I’m with you on skipping the extra insurance if your credit card or regular car policy covers rentals. What’s worked for me: I call my insurance company before booking, double-check what’s actually covered, and...
RE: How do they actually decide when a car is “totaled”?
It’s definitely frustrating when you’ve sunk money into repairs and then the insurance company just looks at “market value” like none of that matters. From what I’ve seen, they usually base ACV (actual cash value) on wha...
RE: stuck between Geico and Progressive in NY, thoughts?
That’s exactly how I feel about roadside! I had Geico’s roadside once - waited almost two hours for a tow in Queens. Not ideal. Honestly, I just keep jumper cables in the trunk now... cheaper and faster most days.
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Had a similar situation last year - big branch came down on my old Civic during a windstorm. Insurance called it “an act of nature,” so it was covered under comprehensive, but they did ask if the tree looked dead or negl...
RE: is accident forgiveness really worth it in Ohio?
I totally get the hesitation about paying extra for something you might never use. I used to skip accident forgiveness too, thinking I was saving money. But after my cousin’s minor rear-end last winter, her rates went up...