Car insurance discussions and local services.
joshuaw48
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Topics and replies this member has contributed.
RE: Is it worth paying extra for full car coverage in VA?
- Totally get where you’re coming from. I kept full coverage on my S-Class longer than I probably should’ve, just because I was paranoid about someone keying it or a tree branch falling on it in a storm. - When I final...
RE: How is ACV not just a fancy way to pay us less?
- Had the same issue when my last car got totaled. - Insurer barely factored in all the maintenance I’d done, even with receipts. - “Actual cash value” just meant they ignored upgrades and gave me a lowball offer. ...
RE: Running out of gas and waiting forever for help
- I hear you. I drive an S-Class and thought about keeping a gas can in the trunk, but honestly, the idea freaks me out. - Once had a small spill from a sealed can after a bumpy road trip - my whole car reeked for days. ...
RE: Classic car insurance and the annual mileage cap - worth it?
Mileage caps are a pain, but I get why they exist. Here’s how I handle it: - I keep a notepad in the glovebox and just jot down the odometer before/after any drive. Not fancy, but it works. - If I know I’ve got a couple...
RE: What happens if your rideshare app is between trips and you get into an accident?
Title: What happens if your rideshare app is between trips and you get into an accident? - I get the “better safe than sorry” angle, but honestly, these add-ons feel like a cash grab sometimes. Especially if you’re dr...
RE: Would you risk a higher deductible to lower your insurance bill?
- I get where you're coming from, but for me, the math just doesn’t add up on a high deductible, especially with the price of parts and labor these days. - Had a minor scrape last year - repairs on my car weren’t cheap...
RE: is accident forgiveness really worth it in Ohio?
- Honestly, I’m in the same boat with my S-Class. - Accident forgiveness sounds nice, but I ran the numbers and the upcharge isn’t small. - For a car that barely sees sunlight, it’s just not worth it (unless you’re p...
RE: is accident forgiveness really worth it in Ohio?
Is Accident Forgiveness Really Worth It In Ohio? - Been down this road a few times, especially after picking up my last car (let’s just say the insurance agent’s eyes lit up when I mentioned “German luxury sedan” and “t...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Honestly, I get the frustration with those apps, but I’ve actually found them useful for keeping my rates down - at least with the bigger companies. My car’s got all the sensors and bells, so it tracks everything anyway....
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.
Yeah, "full coverage" is one of those terms that means way less than people think. I always check the fine print, especially with anything rare or old. My last policy review, I realized my deductible was way higher than ...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE? - Been there, done that. The first “decent” quote always feels like a win… until you see a better one five minutes later and start questioning your life choices. - I dri...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
- Smaller insurers can be great for service, but from my experience (luxury sedan owner here), their rates aren't always competitive for higher-end cars. - I'd say definitely price-check first - sometimes bigger companie...
RE: saving cash on insurance when you're young and broke
Good point, but I'd add a couple things from experience: - Check out discounts for bundling home/renters insurance or defensive driving courses. - Raising your deductible slightly can lower premiums without sacrificing c...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I see your point, but honestly, I think the city's onto something here. A few thoughts: - Sure, most of us handle our cars responsibly, but there's always that one neighbor who doesn't. I've seen classics parked curbsid...
RE: Finally figured out my state's minimum car insurance rules and saved some cash
True, but there's a balance to strike. I've always gone slightly above minimum myself, just enough to avoid headaches without breaking the bank. Had one minor fender-bender in my Audi last year - glad I wasn't scraping b...