Car insurance discussions and local services.
kimmentor
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Topics and replies this member has contributed.
RE: Is roadside assistance enough for a recurring commuter breakdown?
A separate roadside membership isn’t automatically the best answer here. Compare the actual limits first: - A 15-mile tow limit is a serious gap on a 42-mile commute, but a second plan may also have mileage caps, per-ca...
RE: How bad does a DUI mess up car insurance in Michigan?
- Rates usually double or even triple after a DUI in Michigan, at least for the first couple years. - You’ll need an SR-22, which is basically proof of insurance that gets filed with the state - adds hassle and cost. ...
RE: Why does insurance cost more in Houston than Austin or Dallas?
True, but I’d argue Houston’s traffic plays a bigger role in the rates too. More congestion means more fender benders - seen it firsthand over the years. Weather’s rough, but daily gridlock adds up in claims.
RE: What happens if you only carry the bare minimum car insurance in Florida?
Here’s the thing - Florida’s minimums are super bare bones. A lot of folks don’t realize: - The state only requires Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP covers your injuries, PDL cov...
RE: Why does picking a deductible feel like a weird gamble?
I totally get where you're coming from. For me, I’ve stuck with a mid-range deductible for years - just enough to keep premiums reasonable but not so high I’d panic if something goes wrong. Honestly, the claim process ca...
RE: Are Loyalty Perks With Insurers Even Worth It Anymore?
- Been driving for decades and honestly, sticking with one insurer never paid off for me either. - Every time I shopped around, I found better deals - loyalty perks just didn’t add up to the savings. - Last time I go...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
I get where you’re coming from - “big name” doesn’t always mean hassle-free. Over the years, here’s what’s worked for me: - Always compare at least 3-4 quotes before settling. - Don’t just look at price - check reviews ...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Yeah, insurers definitely don't seem to care much about context - it's all just data points to them. I've heard of people successfully disputing speeding tickets with dashcam footage, but never these insurance algorithm ...
RE: is accident forgiveness really worth it in Ohio?
I've been driving around Ohio forever, and accident forgiveness is one of those things you don't think you need...until you do. A few points from my experience: - If your record's squeaky clean, it can feel like wasting...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
I've had one of those trackers for about a year now, and honestly, it's been pretty painless. A couple things I'd add from my experience: - If you're worried about privacy, definitely check the fine print on what exactl...
RE: anyone else feel like AAA insurance isn't what it used to be?
I've actually had the opposite experience with AAA, oddly enough. Been with them for about 10 years now, and while I agree their customer service has become less personal over time, the claims process itself still seems ...