Car insurance discussions and local services.
kevinjournalist
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
I’ve been a daily commuter for years, and I wrestled with this exact question when I switched jobs and suddenly found myself racking up way more miles. Back then, I bumped my deductible from $500 to $1,000 hoping to shav...
RE: How is ACV not just a fancy way to pay us less?
Yeah, I’ve been through that same grind. When my old Accord got totaled, the initial ACV offer was laughable - like, “where are you finding these unicorn $1,200 Accords?” I had to pull out every oil change record and eve...
RE: Do you really need extra insurance for a rental in Montana?
Can confirm - drove through at dusk last summer and counted three near-misses with deer in under an hour. I used to skip the extra insurance too, but after seeing a friend get stuck with a $900 bill for a cracked headlig...
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 actually had the opposite experience. My car’s not much newer - 2010 Civic - and I kept full coverage because of a hailstorm that hit our area a couple years ago. Never thought I’...
RE: Mileage-based car insurance: who’s using it and which company do you like?
Couldn’t agree more. I tried Metromile for my old Civic, and it was great for my daily commute - super simple since it just plugged right in. But when I thought about putting my ‘89 Miata on it, the OBD-II thing was a de...
RE: is accident forgiveness really worth it in Ohio?
I get where you’re coming from, but I’ll admit I’m a little more cautious about skipping accident forgiveness, even with an older car. I drive about 80 miles round-trip every day for work, and honestly, the odds just fee...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Title: Weighing legal trouble vs. losing trust: which is worse after fraud? I get where you’re coming from. I used to think it was kind of cold to ask friends or family to put things in writing, but after what happened ...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I’ve actually had mixed luck with those apps. My insurer rolled one out last year, and I was pretty skeptical at first - felt weird knowing my phone was tracking every hard brake or sharp turn. But after a few months, I ...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? That’s exactly what tipped the scales for me. I used to think, “I’m careful, I’ve got decent health insurance, why bother?” But after years of c...
RE: little-known ways to snag cheaper insurance in Alaska
I totally get where you’re coming from about bundling. I used to be in the “keep it all separate” camp too, mostly because my uncle had a nightmare situation with his bundled policy - one fender bender and suddenly his r...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
Military discounts definitely aren't always as big as you'd think. A few years back, I had a buddy stationed near San Diego who bought himself a pretty nice sports car after deployment. He figured the military discount w...