Car insurance discussions and local services.
kim_moore
Discussion activity
Topics and replies this member has contributed.
RE: Why California’s minimum car insurance might not be enough
Yeah, I used to think the minimum was fine too, but after a fender bender last year, I realized how fast costs add up. Even a “cheap” fix wasn’t so cheap. Bumping up coverage barely touched my budget, honestly. Worth it ...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
Totally get where you’re coming from. I used to think all roadside plans were basically the same - until my “cheap” one left me stranded 15 miles from home with a dead alternator and a tow limit of 5 miles. Ended up payi...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
- Totally agree. Most apartments I’ve lived in didn’t even offer assigned parking, let alone a garage. - Street parking is just reality for a lot of us, especially in cities. - I get that it’s riskier, but if you’re payi...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
- Been there - my phone died in the middle of nowhere on a road trip, right as I got pulled over. That paper card saved me from a ticket. - Apps are cool, but batteries aren’t always reliable. - Glove box card = cheap in...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
Cutting Coverage on Older Cars - Worth It? - Been driving my 2007 Civic with just liability for about three years now. Saved a chunk, but yeah, first six months I was sweating every parking lot scrape. - Did the math - ...
RE: Finding decent car insurance in Delaware without losing your mind
- Been there - spent a weekend reading through policy docs and still missed the bit about rental car coverage. - Ended up paying out of pocket on a road trip when my car broke down. - Now I just highlight anything th...
RE: Would you risk a higher deductible to lower your insurance bill?
Totally get where you're coming from. That “book value doesn’t care about new brakes or a spotless interior” thing really stings. I’ve been there too - put money into keeping an old Camry running, only for the insurance ...
RE: Do you really need extra insurance for a rental in Montana?
Title: Rental Car Insurance in Montana - Worth It or Not? - 100% agree, it’s a total toss-up depending on where you rent and who’s working. I’ve had the same experience - big city airport, they’re practically crawling u...
RE: Classic car insurance and the annual mileage cap - worth it?
- That’s the thing that bugs me about these policies - feels like you’re always walking a tightrope with the mileage cap. - I’ve never filed a claim myself, but I’ve heard similar stories at swap meets. One guy had his...
RE: Is Paying For Roadside Help Worth It Or Just Extra?
I get the anxiety, especially with older cars - those random warning lights can mean anything from “tighten your gas cap” to “prepare for a wallet meltdown.” Here’s how I look at it: - Roadside assistance is handy, but ...
RE: Little-known trick with Progressive’s roadside help
Totally agree - learned that the hard way with my old van. Here’s what’s worked for me: - Always call, don’t just use the app. Talking to a real person seems to help. - Mention any mods or if your car’s oversized, even ...
RE: Confused about Illinois car insurance rules - anyone else?
Yeah, I’ve run into this too and honestly, it’s kind of frustrating. Last summer, my car was in the shop for almost two weeks and my insurance only covered a rental for 5 days at $30/day. Ended up paying out of pocket fo...
RE: Why can’t I use my points AND a coupon at checkout?
Honestly, I get the frustration, but I kinda see why they don’t let us stack points and coupons. If everyone doubled up, the deals would probably disappear or get way stingier. I’ve noticed some places already cut back o...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
- 100% agree about the aftermarket parts - my last claim, the shop tried to put on a fender that didn’t even line up right. I’m not super picky, but it looked off enough that I had to push back. - Delaware’s insurance ...
RE: Drowning in Forms: What If Your Insurance Docs Got Lost?
Totally get the paranoia - tech is awesome until it isn’t. I’m all about digital backups, but I’ve had my share of “where the heck did that file go?” moments. Here’s how I try to cover my bases: - Paper copy in the glov...