Car insurance discussions and local services.
jamess42
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Topics and replies this member has contributed.
RE: Cutting my car insurance bill in half - didn’t think it was possible here
Had a buddy with a '72 Chevelle who thought dropping collision was a smart move - until a hailstorm left it looking like a golf ball. The repair bill was brutal. I get wanting to save, but sometimes those “extras” really...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
Best ways to snag insurance discounts in Alaska: driving record vs. bundling? I hear you on the moose - last fall, I was taking my ‘72 Chevelle out for a spin before the salt hit the roads, and a bull just ambled right ...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
Can’t argue with that approach. I’ve been burned before - once had to dig through my glovebox at a car show because the organizers “needed the original registration.” Digital copy on my phone? Didn’t matter. There’s just...
RE: Why California’s minimum car insurance might not be enough
Those sensor-laden bumpers are a real headache - my daily driver isn’t even that new, but I still got hit with a $900 bill just for a cracked tail light and “calibration.” It’s wild how much tech is hiding under what loo...
RE: Would you risk a higher deductible to lower your insurance bill?
That’s totally fair. I tried the high deductible route a few years back with my ’92 Miata - figured it was cheap enough to fix if anything happened. Then a hailstorm rolled through and, well, let’s just say I learned how...
RE: How I managed to stack discounts for military student drivers
That’s the truth. Had a dealership once ask for my social just to “verify eligibility” for a parts discount - no thanks. I get being thorough, but there’s a line. Out of curiosity, has anyone ever actually gotten a legit...
RE: What happens if your rideshare app is between trips and you get into an accident?
That “bad game of telephone” is the perfect way to describe it. I had a similar runaround a couple years back with my ‘85 Cutlass Supreme - she’s survived more than her fair share, but nothing quite prepared me for the i...
RE: Classic car insurance and the annual mileage cap - worth it?
I get where you’re coming from, but I’ve actually seen someone get their claim denied - granted, it was a pretty extreme case. Guy in my local club racked up double his agreed mileage, then tried to claim after a fender ...
RE: Little-known trick with Progressive’s roadside help
Honestly, you’re handling it better than a lot of folks would. I’ve seen more than one classic car buddy get burned by tow drivers who just want to get the job done fast, not right. I still cringe thinking about the time...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Yeah, I’ve noticed the same thing - loyalty doesn’t seem to count for much with insurers, especially when you’re driving something out of the ordinary. I had a ‘72 Datsun 240Z that was my pride and joy, but every renewal...
RE: lent my car to a friend, insurance got messy real quick
Good point... reminds me of when I lent my '68 Mustang to a buddy for his wedding photoshoot. Thought it'd be fine since he had insurance, but turns out classic cars have totally different rules. Learned my lesson - alwa...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
A neutral cover definitely helps - I had a neighbor once who used a bright red branded cover, and it practically screamed "look at me." Switched to a plain gray one, and suddenly no one seemed to notice. But enforcing ti...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
I've found mid-range isn't always the best bet, especially if you're labeled high-risk. Had a friend with a classic Mustang - thought mid-tier would cover him fine, but when he needed specialized repairs, the insurer nic...
RE: insurance denied my claim - what would you do?
Had a similar run-in with my classic Mustang a few years back. Insurance initially denied coverage, claiming the damage was "pre-existing." Had to dig up old maintenance records and photos to prove otherwise. Like you sa...
RE: insurance denied my claim - what would you do?
Totally agree on timestamping - saved me once when my classic Mustang got sideswiped at a car meet. Had receipts for the custom wheels, but the insurer tried to claim they weren't installed yet. Luckily, I'd snapped a fe...