Car insurance discussions and local services.
joseph_seeker
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Topics and replies this member has contributed.
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
Bundling’s always sounded good in theory, but when I actually crunched the numbers with State Farm, the discount barely covered the yearly rate hikes. Has anyone ever gotten Shelter to budge on price? I tried, but it fel...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I’ve wondered about this too, especially with agreed value policies. I’ve always heard that if you’ve got an agreed value set up, that’s what you get paid out, even if the other driver is uninsured. But then I’ve read so...
RE: Why California’s minimum car insurance might not be enough
I get what you mean about the medical bills being the real shocker. Years ago, I figured as long as my car was insured for the minimum, that’d be fine - especially since it wasn’t worth much. But then a buddy of mine got...
RE: Why does picking a deductible feel like a weird gamble?
I always wonder if there’s some secret formula we’re all missing, or if it really is just luck of the draw. Like, I haven’t had a claim in almost a decade, but the one time I did, my “savings” from the high deductible ba...
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.
I get where you’re coming from, but I’m still not totally convinced that comprehensive is always worth it, especially for older cars. Like, if your car’s only worth a few grand, is it really better to pay for extra cover...
RE: Finding decent car insurance in Delaware without losing your mind
Yeah, I totally get where you’re coming from. But do you ever wonder if the insurance companies count on us being afraid of those “what if” moments? I mean, how often do we actually use rental or glass coverage? I’ve kep...
RE: Which is better for SR-22 in ND: local agents or online companies?
I get where you're coming from, but I’m not totally convinced local agents are always better about the upfront stuff. I’ve had both good and not-so-great experiences with local offices. One time, I thought I was in the c...
RE: Medicare Advantage vs. Medigap: which one actually works better?
That’s hilarious and way too real. I keep wondering, with Medigap, do you ever really know what’s covered until you get the bill? Or is it just a guessing game every time, like when you pop the hood and hope it’s not the...
RE: anyone else feel like AAA insurance isn't what it used to be?
It’s funny you mention the waiting time for a tow - I remember back in the day, it felt like AAA would show up before you could even finish explaining where you were. Now, it’s almost like calling customer service for an...
RE: lent my car to a friend, insurance got messy real quick
Makes me wonder, does anyone know if the definition of "occasional driver" varies much between different insurers? When I added my daughter to my policy a few years back, they were pretty relaxed about it, but now I'm th...
RE: keeping your vintage ride running smooth on long trips
Good advice, but honestly, how practical is it to check every belt and hose before each trip? I've been driving my '72 Mustang for years, and while I get the logic behind preventive checks, sometimes things just happen n...
RE: got caught up in fraud trouble - what happens next?
Yeah, totally agree with this - banks can really throw curveballs sometimes. Curious though, has anyone noticed if certain banks or card companies are quicker at resolving these issues than others? I've had similar situa...
RE: Quick Tips for When Your EV Leaves You Stranded
Does eco mode make a noticeable difference in highway driving too, or is it mostly helpful for city stop-and-go? I've wondered if it's worth using on longer trips or just around town...
RE: Sneaky Auto Insurance Exclusions You Might've Missed
I get your point about saving money, but honestly, how many of us really understand all that legal jargon - even if it's supposedly in "plain English"? I've read through my policy multiple times and still found myself sc...