Car insurance discussions and local services.
johnsculptor4632
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Topics and replies this member has contributed.
RE: How is ACV not just a fancy way to pay us less?
- 100% agree, it’s like they’re looking for any excuse to knock down the value. - Had the same thing with a tiny rip in my floor mat - got dinged for it, but the brand new battery I put in two weeks before? Didn’t...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
- Totally agree, they make it sound scarier than it is. - I only add someone if they’re using my car a lot - otherwise, “permissive use” is enough. - Just double-check your policy. Some are pickier than others. - If your...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
- Honestly, I’ve found smaller agencies can be hit or miss. - Sometimes you get super personal service, but other times they just pass you off to the same big underwriters anyway. - For me, price is king, but I alway...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
- Totally get what you mean about trust being like insurance - you don’t realize how much you rely on it until it’s gone. - Legal stuff is rough, but at least there’s a bill to pay and a date when it’s “over.” - Trus...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Totally get where you’re coming from. I learned the hard way too - thought I was covered during a food delivery run, turns out that “gap” period is a real thing. It’s a pain, but better safe than sorry, especially on a t...
RE: Lowball insurance estimate - worth fighting or just let it go?
Yeah, I get what you mean. I usually just eat the cost for small stuff - my time’s worth more than a $60 check and a week of calls. But has anyone actually won a fight with insurance over something minor? Or does it just...
RE: anyone else feel like AAA insurance isn't what it used to be?
Not sure I totally agree on the “no gold standard” thing. For me, AAA’s still been better than most of the budget roadside plans. Last year, my old Civic died at rush hour and they had a tow out in under 45 minutes. Not ...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Finding Affordable Car Insurance After 65 In Kansas - Anyone Else Struggling? - Totally get what you mean about those trackers. I had one for a few months and it felt like I was being graded for stuff that’s just... nor...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Been there with the “extras” on insurance - feels like they’re just looking for ways to tack on more fees. Here’s what happened to me: - Tried the glass buyback thing last year after a rock chipped my windshield. Had to...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, I’ve run into the same thing with “excluded” items. Last week I thought I’d finally figured out how to use my points and a coupon together on some groceries, only for the register to reject it because the bread was...
RE: is accident forgiveness really worth it in Ohio?
Had a minor slide last winter - barely tapped a mailbox, but my rates still jumped. Accident forgiveness would’ve saved me a headache and some cash. It’s not cheap, but honestly, one slip-up in Ohio weather and you’re pa...
RE: bumped someone's car lightly, no visible damage - should I report?
Honestly, I get the whole “leave a note” thing, but sometimes it feels like overkill if there’s literally zero mark or dent. Those sensors are sensitive, sure, but not made of glass. If I tapped someone at 1 mph and chec...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
- For me, I just look at my bank account and ask: “If I had to pay this tomorrow, would I have to dip into savings or go into debt?” - If the answer’s yes, I go with a lower deductible, even if it means paying a little...
RE: stuck between Geico and Progressive in NY, thoughts?
I get your point about the anxiety factor, but honestly, my experience was a bit different: - Used Snapshot for about six months and ended up saving around $80 per renewal. Not life-changing, but definitely more than th...
RE: little-known ways to snag cheaper insurance in Alaska
Totally agree on the mileage-based insurance point - especially if you're not commuting daily or doing long drives regularly. A few things I've noticed from my own experience: - Seasonal discounts can be more substantia...