Car insurance discussions and local services.
jevans92
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Topics and replies this member has contributed.
RE: Why does insurance cost more in Houston than Austin or Dallas?
Yeah, that’s been my experience too. I’ve had policies in Midtown, Spring Branch, and now the Heights - every time I move, my rate jumps or drops for reasons that make zero sense to me. Here’s what I’ve noticed: - The “...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
- Been driving over 40 years and yeah, the discounts for those classes barely make a dent. - I did the course too - my rate dropped about $20 for the year. Not exactly life-changing, but I guess it’s something. - What ...
RE: anyone else feel like AAA insurance isn't what it used to be?
- 100% agree on the price hikes. Feels like every year it creeps up and I get less. - Had a 2-hour wait last winter for a jump... in my own driveway. Not exactly “stranded,” but still annoying. - Peace of mind is worth s...
RE: What happens if your rideshare app is between trips and you get into an accident?
- Totally get the “necessary evil” vibe. I used to roll my eyes at gap coverage, but after a buddy got rear-ended while waiting for a ping, I changed my tune. His regular insurance tried to dodge the claim since he was l...
RE: How do they actually decide when a car is “totaled”?
Honestly, I get where you’re coming from, but I’ve actually had a different experience with insurance. When my old Accord got rear-ended, I pushed back with detailed records and even got a mechanic to write up a conditio...
RE: Someone smashed my parked car - deal with insurance or call the cops?
- Totally get where you’re coming from. Insurance companies can be slippery. - I’ve had a claim denied once because I didn’t have enough documentation. Still stings. - That said, sometimes the hassle just isn’t worth it ...
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.
Good points overall, but honestly, insurance companies aren't always out to trick you - they just bank on people not reading the fine print. Learned that the hard way myself after a tree branch smashed my windshield. Tho...
RE: saving cash on insurance when you're young and broke
Yeah, that's exactly my hesitation too. Had a friend who drives super cautiously but works late shifts, and his telematics app kept flagging him for "risky" nighttime driving - ended up barely saving anything. Makes me w...
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.
Fair point, but it's not always just cosmetic. Had a buddy whose hail damage seemed minor at first, but later rust set in badly...ended up costing him way more down the line. Sometimes "cosmetic" issues aren't just skin-...
RE: how bad would insurance spike after a DUI in Idaho?
Yeah, that's been my experience too - not personally, but a coworker had a DUI a while back. He said the first renewal was brutal, nearly double his original rate. After about three or four years, though, things started ...
RE: Finally figured out my state's minimum car insurance rules and saved some cash
- Totally get the frustration with sensors, but honestly, they've saved me a couple times from backing into stuff I couldn't see. - Yeah, repairs can be ridiculous, but I'd rather deal with occasional sensor drama than r...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Exactly this. I tried one of these telematics things last year to lower my premiums after a fender-bender put me in the high-risk bucket. It flagged me constantly for braking suddenly, but anyone who's driven on H1 at ru...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Yeah, that's been my experience, too. I've had cars for over 20 years now, and honestly, insurance feels like such a gamble sometimes. - Had a low deductible early on (like $250), thought it was the safest way to go. S...
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.
- Been driving older cars for decades and always skipped comprehensive coverage, figured it was just throwing money away. - But your point about deer hits close to home - literally. Had a buddy who totaled his car hittin...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Totally agree - agent quality over brand every time. A buddy of mine had Farm Bureau and got stuck with an agent who knew zilch about classics. Took forever sorting out OEM vs aftermarket. Definitely do your homework loc...