Car insurance discussions and local services.
jacknelson716
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Topics and replies this member has contributed.
RE: Running out of gas and waiting forever for help
Keeping a gas can in the trunk sounds handy, but honestly, I’m not convinced it’s the best move. There’s always that risk of fumes or leaks, especially in the summer when things heat up. Plus, if you’re driving around wi...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling always sounds like a good deal, but I’ve had mixed results with USAA. I did the home and auto bundle for a few years because, like you, I figured it’d be simpler if something big ever happened - like a hailstorm...
RE: Things I wish I'd known before picking my first insurance
Rental reimbursement is one of those things you don’t think about until you’re stuck without your car. I skipped it once and ended up paying more for a rental than the coverage would’ve cost for a year - lesson learned. ...
RE: Would you risk a higher deductible to lower your insurance bill?
I hear you on the “emergency” sushi runs - my “rainy day” fund has definitely turned into a pizza fund more than once. I tried the higher deductible route for a year, but after a rock cracked my windshield on a road trip...
RE: Why can’t I use my points AND a coupon at checkout?
Honestly, I hear you, but I still try every now and then. Sometimes you get a cashier who’ll just punch it in anyway, or maybe there’s a promo glitch online. I’ve lucked out once or twice - nothing huge, just enough for ...
RE: Lowball insurance estimate - worth fighting or just let it go?
I’ve actually done the second opinion thing once, just because the first estimate seemed way off. The second shop found a couple things the first missed, but the price difference wasn’t huge. Has anyone ever had a shop a...
RE: anyone else feel like AAA insurance isn't what it used to be?
That’s exactly it. I used to think the AAA card was like a golden ticket for road trips, but lately it’s just another thing in my wallet. Last time I needed a tow, it took forever and the driver acted like he was doing m...
RE: Confused about Illinois car insurance rules - anyone else?
Yeah, that’s pretty much my strategy too. I keep a battered old paper card tucked behind my registration - just in case someone’s having a “tech-phobic” day. Digital’s legal, but I swear some officers look at my phone li...
RE: stuck between Geico and Progressive in NY, thoughts?
Did Snapshot too, mostly for the discount. Agree the tracking felt odd at first, but honestly forgot it was there after a bit. Savings weren't huge after renewal, but enough to cover gas for a weekend trip...worth it imo...
RE: saving cash on insurance when you're young and broke
Yeah, those driving apps are way too picky. I tried one for a month and it dinged me for braking "too hard" at a yellow light - like, really? Anyway, totally agree on shopping around regularly. Last year, I switched insu...
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.
Yeah, comprehensive usually covers falling branches too - had a branch dent my hood last summer and insurance took care of it. But always good to double-check your specific policy...these companies love their fine print.
RE: bumped someone's car lightly, no visible damage - should I report?
Had something similar happen once - tapped a parked car, no visible damage at all. Thought I'd play it safe and reported it anyway. Ended up with my premiums going up slightly even though the other driver never filed a c...
RE: anyone else feel like AAA insurance isn't what it used to be?
I've wondered about this too, but honestly, I've called AAA maybe three times in one summer (road-tripping with an ancient camper van...), and my premium stayed exactly the same. Still, I get the hesitation - insurance c...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Had a similar experience once - got stuck on a backroad in Utah, no signal, and the roadside assistance app was useless. Ended up flagging down a local rancher who helped me out. Makes me wonder, does Farm Bureau have be...
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 close call with hail myself on a road trip through Colorado last summer. Storm came outta nowhere, and I swear those hailstones sounded like baseballs hitting the roof. Pulled under a gas station canopy just in tim...