Car insurance discussions and local services.
johnc77
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
I totally get the appeal of saving on premiums, especially with a busy family and all those extra expenses. For me, though, I’ve always leaned toward a lower deductible, even if it means paying a bit more each month. May...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Those trackers really do make me nervous, especially when I’m out in my old Mustang and the roads are slick. I get that insurance companies want data, but sometimes it feels like they’re punishing you for being careful. ...
RE: Car insurance in Wyoming: who actually treats you right?
That’s been my experience too, especially with multi-car policies. I had a classic insured on a collector plan and the “discount” quietly vanished after two years. Didn’t even get a heads up - just noticed the renewal wa...
RE: Renting a car: stick with GEICO or pay for the rental company’s insurance?
That’s totally fair - sometimes it really does come down to luck and personal comfort level. I’ve had a couple close calls with rentals, so I tend to err on the side of caution. Not saying the upsell isn’t annoying, but ...
RE: Finding decent car insurance in Delaware without losing your mind
I’ve noticed the same trend - rates just keep inching up, no matter how long you stick around. I’m always a bit wary about switching, though, especially with older cars that need agreed value coverage. Did you have any t...
RE: What happens if your rideshare app is between trips and you get into an accident?
That’s completely understandable. Those “what ifs” have a way of lingering, especially after you’ve had a scare. I’ve been there myself - had a minor fender bender in my ‘72 Chevelle when I was between policies, and it r...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I get where you’re coming from - those trackers make me uneasy too. I’ve read stories about people getting penalized for things like sudden stops, even if it was just to avoid an accident. It’s not always black and white...
RE: Insurance paid way less than what it cost me to replace my roof
I hear you on the receipts. I started scanning mine after losing a few important ones - still not perfect, but it helps when the insurance folks start nitpicking. Had a similar experience with my ‘68 Charger’s interior w...
RE: Are those price-checker sites actually reliable?
I hear you - those price-checker sites are a decent starting point, but I never trust them completely. Even with all the printouts and research, I still get nervous about what’s lurking under the surface. I’ve seen cars ...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Funny you mention that - my experience was almost identical. With the big companies, I felt like just another number in their system. When my ‘72 Mustang broke down, getting help took forever. Local agents seem to actual...
RE: stuck between Geico and Progressive in NY, thoughts?
Fair point, but personally I'd hesitate to use Snapshot or similar apps with my classic cars. The driving style needed for older vehicles - like longer braking distances and slower acceleration - can sometimes unfairly d...
RE: Finally figured out how car insurance works in no-fault states
I can definitely relate to your frustration regarding OEM parts. A few years back, I had a similar experience with my classic Mustang. It wasn't even a major accident - just a minor fender-bender - but the insurance comp...
RE: finally found an insurance company in CA that doesn't drive me nuts
Couldn't agree more with this. I've found that especially true when insuring classic cars - terms like "agreed value" versus "stated value" can become a real headache if not clearly defined upfront. A few years back, I c...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
Exactly this. I've learned to be cautious after nearly overpaying for my classic car insurance because of a supposed "enthusiast discount." Always worth double-checking - trust but verify, right?
RE: Confused about insurance rules in South Dakota - help me figure this out
Digital might be acceptable officially, but I agree it's always wise to have a printed copy handy. I've had my phone battery randomly die on me, especially on longer drives - nothing worse than scrambling for paperwork w...