Car insurance discussions and local services.
karen_martinez
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Topics and replies this member has contributed.
RE: What happens if your rideshare app is between trips and you get into an accident?
- That “app on, no passenger” window is the trickiest part. - From what I’ve read (and heard from a couple drivers I know), if you get into an accident during that time, your personal insurance usually tries to duck ou...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
- Had the same issue with those tracking apps - mine flagged me for “aggressive acceleration” just getting onto the highway in a snowstorm. - Bundling sounded good, but the actual savings were underwhelming. Maybe it w...
RE: How is ACV not just a fancy way to pay us less?
- I get where you’re coming from, but I’m not totally convinced ACV is always a ripoff. - Insurance companies do use market data, but yeah, sometimes it feels off compared to what you see on Craigslist or Facebook Mark...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
- Totally get the urge to skip extras, especially when you’ve barely used them. - I do wonder, though - what if your “beater” backup wasn’t around? Rental coverage could be a lifesaver then. - For me, it’s not just about...
RE: Why can’t I use my points AND a coupon at checkout?
- I get where you're coming from, but I don’t know if mixing up coupon and points policies is the same as trusting them with actual car repairs. - Policies can be messy, but I’ve had great work done at places with conf...
RE: Finding decent car insurance in Delaware without losing your mind
Totally get where you’re coming from - it’s like you need a law degree just to read your own policy. I’ve had similar surprises, like thinking “comprehensive” meant, well, comprehensive... only to find out it’s full of e...
RE: Finding decent car insurance in Delaware without losing your mind
- Tried a local carrier once - rates were decent, but their claims process was a nightmare. Ended up back with a national company just for the peace of mind. - I get tempted by those smaller outfits promising “personaliz...
RE: is accident forgiveness really worth it in Ohio?
Yeah, those deer are out for blood. I swear they wait until you’re finally paying attention to the road, then - bam - there they are. Here’s how I look at accident forgiveness: - If you’ve got a squeaky-clean record and...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
Totally get where you’re coming from. I used to think med pay was just doubling up, but after seeing a friend get hit with a $2k ER bill before insurance even kicked in, I started to question it. High deductibles make it...
RE: Which is better for SR-22 in ND: local agents or online companies?
- Had the same experience - SR-22 sounded like a spaceship to me at first. - Local agent actually drew a diagram on a sticky note for me... way less intimidating than trying to decode insurance jargon online. - But, ...
RE: is accident forgiveness really worth it in Ohio?
- Can’t argue with your logic, especially when you’ve got a new driver in the house. My cousin’s daughter did something similar - scraped the neighbor’s car in their own driveway, and their premium shot up for three year...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE? - I’m right there with you on the paranoia - one bad experience with a “too good to be true” quote and I started reading every line twice. - The extras are tough. I skip...
RE: Little-known trick with Progressive’s roadside help
Title: Little-known trick with Progressive’s roadside help - Had a similar worry last winter. My car battery kept dying (old minivan, classic), and I called Progressive roadside three times in two months. - After th...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
Yeah, those apps can be tricky. I tried one briefly and felt like it dinged me every time I braked normally at a yellow light...made me paranoid instead of safer. Maybe better off with a local agent who actually gets you...
RE: bumped someone's car lightly, no visible damage - should I report?
Good call snapping that pic - little things like that can really simplify things later. I've always wondered though, if there's no visible damage, does reporting still affect your premiums...? Seems tricky to decide some...