Car insurance discussions and local services.
joshuablogger
Discussion activity
Topics and replies this member has contributed.
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Funny you mention the tree - my old Mustang got a nice dent from an acorn, so even that’s not foolproof. I get what you mean about full coverage, though. Did you ever feel like you were just paying for peace of mind more...
RE: Saving a few bucks on insuring your vintage ride
Yeah, that’s been my experience too. I’ve had a Disklok on my old Jag for years - never had an issue, but insurance couldn’t care less. They just want to see “Thatcham approved” or whatever’s on their list. Makes you won...
RE: Would you risk a higher deductible to lower your insurance bill?
That’s the thing with luxury cars, right? Parts and labor are just on another level. I get wanting peace of mind, but I’ve always wondered - do you ever factor in how often you actually file claims? I drive a ‘72 Chevell...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
I hear you on telematics - felt like Big Brother was riding shotgun. But honestly, my classic sits in the garage half the year, so mileage-based discounts actually worked out better than bundling. Ever tried asking about...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
I get where you’re coming from, but I’ve always wondered - how much are you really saving with those higher premiums over time? I’ve got a couple of old cars, and honestly, I’d rather keep my cash in my own pocket unless...
RE: Classic car insurance and the annual mileage cap - worth it?
Title: Classic car insurance and the annual mileage cap - worth it? I’ve actually had a close call with this. A few years back, I was with Hagerty and my ‘68 Mustang got rear-ended at a light. Nothing major, but enough ...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I’ve seen those “off-road” exclusions trip people up more than once. It’s wild what rental companies will call off-road - sometimes just a dirt pull-off. I get why you’re skeptical. The fine print is always a m...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling’s always sounded good on paper, but I’ve actually run into situations where it cost me more, especially with my classic cars. Some companies just don’t value older vehicles the same way, so the “discount” gets e...
RE: Why can’t I use my points AND a coupon at checkout?
Ever notice how it’s always the “loyalty” programs that end up making you feel like a chump? I get the whole margin thing, but if you’re gonna dangle points and coupons in front of us, why not just let us use them togeth...
RE: Confused about Illinois car insurance rules - anyone else?
I get where you’re coming from, but I wouldn’t be so quick to brush off those “loss of use” fees. Maybe you’ve had good luck, but I’ve seen a buddy get hit with one in Chicago after a fender bender - nothing wild, just a...
RE: is accident forgiveness really worth it in Ohio?
I get where you’re coming from, but I’ve seen both sides. Had a buddy with a ‘72 Chevelle who got rear-ended - first accident in decades - and his rates shot up for years. Accident forgiveness would’ve saved him a pile. ...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Honestly, I get the frustration, but are we sure it’s just the “paradise tax” and not the age of the car too? My buddy’s classic Camaro got hit with a crazy premium, even with a clean record. Maybe the insurers just don’...
RE: Are those price-checker sites actually reliable?
Honestly, I get the appeal, but I’ve been burned by those price-checker sites more than once. Maybe for newer cars, but with anything older or a bit unusual, those estimates are way off. Ever tried getting a quote for a...
RE: bumped someone's car lightly, no visible damage - should I report?
Did you actually exchange info with the other driver, or just leave it at a quick look-over? If there's genuinely no visible damage, reporting can sometimes bite you later. I've had buddies who've reported minor taps "ju...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Fair point, but isn't it reasonable to expect agents to at least know the basics of how PIP kicks in after an accident? I mean, if they're selling us coverage, shouldn't they at least be able to clearly explain the gener...