Car insurance discussions and local services.
kennethw26
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Topics and replies this member has contributed.
RE: How is ACV not just a fancy way to pay us less?
ACV drives me nuts for exactly that reason - it’s basically what your car’s “worth” at the moment, not what it would actually cost to replace it. I had to fight with my insurer when my last car got totaled, and all the l...
RE: Deciding between just liability or going all-in with full coverage on Liberty Mutual
I get where you’re coming from. I’ve always leaned toward full coverage, especially since my car’s not exactly cheap to replace. Even if the odds of something happening seem low, the cost of being wrong is just... massiv...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
I get the logic behind liability-only for an older car, especially when you’re trying to keep costs down. But I always wonder if people factor in the “what if” scenarios enough. Like, yeah, a ‘99 Corolla isn’t worth much...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
Honestly, I get where you’re coming from. I keep a paper copy in my car too, right next to the manual and tire gauge. There’s just something about being able to hand over a document, no scrolling or searching required, e...
RE: Do you really need extra insurance for a rental in Montana?
I get the peace of mind angle, but I’ve always wondered if the extra coverage is really worth it, especially if you already have solid primary insurance. I drive a couple of higher-end cars and my policy’s pretty compreh...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
That’s spot on about the loyalty discounts - same thing happened to me after 65, and I drive a car that’s supposedly “safer.” Ever notice how they never really explain those risk factors? I’ve found local agents way more...
RE: Car insurance in Wyoming: who actually treats you right?
I get where you’re coming from - after my last hail claim, the adjuster called me three times just to figure out which dirt road was mine. As for agents flagging changes, I’ve noticed they’re mostly reactive unless you’r...
RE: USAA vs State Farm: which claims process is less of a headache?
I get what you mean about old habits - sometimes talking to a real person just feels safer, especially with high-value repairs. I’ve used both apps for minor stuff, and honestly, USAA’s interface is cleaner, but State Fa...
RE: anyone else feel like AAA insurance isn't what it used to be?
I’ve been thinking about this a lot, especially after my last renewal. I’ve had AAA for years - mainly because it felt like the “safe” choice, and honestly, their roadside assistance has bailed me out more than once. But...
RE: Why can’t I use my points AND a coupon at checkout?
That’s frustrating, and honestly, it makes me wonder what the real logic is behind these policies. I’ve run into similar situations, though usually with dealership rewards or service credits - one time I tried to stack a...
RE: anyone else feel like AAA insurance isn't what it used to be?
I get what you mean about the bundled perks. I drive a higher-end car and honestly, I care way more about reliable roadside service than hotel discounts or travel planning. The idea of picking and choosing services would...
RE: stuck between Geico and Progressive in NY, thoughts?
Honestly, I’ve had the same headache with the OEM vs aftermarket parts. I drive a German sedan, and the last thing I want is some no-name mirror slapped on after a fender bender. I always wonder - has anyone actually had...
RE: My insurance nightmare in Rhode Island traffic court
Honestly, I get where you’re coming from. It’s wild how some officers still look at a digital insurance card like it’s witchcraft. I’ve had the same experience - pulled up the app, and the officer just kind of frowned at...
RE: Getting Time Off Approved For Family Needs: It Actually Worked!
I hear you - it really does feel like you’re jumping through hoops sometimes. I’ve tried the “personal” route, but HR here tends to push back unless there’s a bit more detail. Maybe it depends on the company? I’ve found ...
RE: saving cash on insurance when you're young and broke
Honestly, I get the logic - liability-only makes sense for an older car, especially if you’re not driving much. But that “what if” factor you mentioned? It’s real. I had a friend with an old Civic, got rear-ended, and th...