Car insurance discussions and local services.
khill61
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Topics and replies this member has contributed.
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
- Been there, done that - except my “middle of nowhere” was a sketchy gas station off I-95. - Insurance roadside? Took forever. I swear the dispatcher sounded like she was Googling “tow truck” while I was on the line. ...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
That fine print really does sneak up on you... been there, highlighted that. I get what you mean about classics and coverage - feels like overkill to pay for stuff you barely use, but Nebraska doesn’t really care if your...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Man, I hear you on the Houston tax. I’ve got a couple of tickets and a fender bender on my record, so my rates are straight-up brutal here. Tried all the discount tricks - some helped, but honestly, my agent just shrugge...
RE: USAA vs State Farm: which claims process is less of a headache?
Honestly, I’m with you on the “too many updates > not enough” thing. I’ve had USAA for a while and their app is slick, but sometimes it feels like stuff just disappears into the void. Like, I’ll submit a claim and the...
RE: DOES YOUR RIDE NEED EXTRA PROTECTION AT CAR SHOWS?
Yeah, that’s the part nobody talks about - claims are a nightmare. I’ve had my rates stay exactly the same after adding a tracker and steering lock. My agent just shrugged, said it “might help” if something happened, but...
RE: Finding decent car insurance in Delaware without losing your mind
- 100% get where you’re coming from. “Comprehensive” doesn’t mean what it used to. - Been burned by “optional” add-ons too - last year, my “full” coverage didn’t cover a cracked windshield. Go figure. - I’m always skepti...
RE: How do they actually decide when a car is “totaled”?
Yeah, I hear you. It’s wild how they’ll total a car over a busted bumper if the numbers line up, but ignore the $800 you dropped on a sound system. I’ve tried arguing with adjusters before - felt like talking to a wall. ...
RE: Why can’t I use my points AND a coupon at checkout?
- Totally get it - been there, felt that sting at the register. - Sometimes I wonder if they make the rules confusing on purpose, just to trip us up. - I’ve had cashiers who didn’t even know the policy, which makes i...
RE: Which is better for SR-22 in ND: local agents or online companies?
I hear you on the price thing. I’ve had to deal with SR-22 for a couple years now (not proud, but it is what it is). Here’s how it played out for me: - Tried a local agent first. They were friendly enough, but the quote...
RE: stuck between Geico and Progressive in NY, thoughts?
Honestly, I get what you’re saying about “accident forgiveness” perks - been there, done that. In my experience, those perks sound good but don’t always help much if your rates are already high from previous stuff. Abo...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
Honestly, I wish moving worked out that way for me. My rates shot up after my last ticket, and even with a military discount, it barely made a dent. Maybe it’s just my luck, but every insurer I tried seemed to care way m...
RE: Confused about insurance rules in South Dakota - help me figure this out
- Totally get the skepticism. I've had my share of tech fails too, especially when it counts (like at traffic stops... because of course). - Personally, I prefer digital - mostly because I'm terrible at keeping track of ...
RE: quick heads-up on Arkansas auto insurance basics
Yeah, this is exactly why I've held off on those tracking devices myself. I mean, I get it - I'm not exactly the poster child for perfect driving habits - but having someone monitor every midnight taco run or spontaneous...
RE: how bad would insurance spike after a DUI in Idaho?
Yeah, those tips above are decent, but honestly, don't expect miracles. From my experience: - Shopping around helps a bit, but most insurers still see you as high-risk, so savings might be minimal. - Raising deductibles...
RE: stuck between Geico and Progressive in NY, thoughts?
Had Geico for a bit, claims were quick but rates jumped after a speeding ticket. Switched to Progressive - better pricing for high-risk drivers like me. Aftermarket parts haven't been an issue yet, but still skeptical......