Car insurance discussions and local services.
law964
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Topics and replies this member has contributed.
RE: Finding decent car insurance deals on the islands - my step-by-step
Yeah, the “bundle and save” pitch never really worked for me either. I tried it once with my classic Mustang and the house - barely made a dent in the premium. Local brokers have been way more helpful, especially when it...
RE: Is gap insurance worth it for new cars in Hawaii?
I get the worry about Hawaii’s wild car market, but honestly, if you’re putting down a big chunk and your loan’s short, gap insurance might be overkill. I’ve bought a few cars over the years - never bothered with gap, an...
RE: Why did my GEICO premium jump so much this year?
I get what you’re saying, but I’ve actually had a few times where GEICO flagged something before I even noticed. Not every company is totally opaque, though I agree it’s often confusing. That said, - I’ve seen that too,...
RE: Why did my GEICO premium jump so much this year?
Had something similar happen with my '73 Mustang. Some guy backed into me in a parking lot and tried to blame me. My dashcam footage cleared things up fast, but the insurance still bumped my premium the next year. Guess ...
RE: Finding decent car insurance deals on the islands - my step-by-step
Yeah, those apps are wild - mine once dinged me for “hard braking” when a chicken ran across the road. Guess the algorithm’s never driven on these roads, huh? I hear you on keeping rental coverage, though. My ‘89 wagon’s...
RE: Why California’s minimum car insurance might not be enough
Had a similar shock when my ‘72 Chevelle got dinged in a parking lot. Thought my policy would cover it since I had “full coverage,” but turns out the fine print didn’t include uninsured motorist property damage. Ended up...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling’s been a mixed bag for me too. I like having everything under one roof, especially when it comes to paperwork and claims - less chasing people down. But yeah, the “multi-policy discount” always sounds better tha...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Yeah, Nebraska’s not messing around with that uninsured motorist bit. I get why it’s there, but man, it stings when your ‘72 Chevelle barely sees daylight and you’re still paying like it’s a daily driver. I tried to argu...
RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action
Totally get this. I had a ‘72 Chevelle with a bunch of custom work, and the insurance folks acted like my receipts were just “nice to have.” It’s frustrating when you know what’s on your car, but they want every scrap of...
RE: saving cash on insurance when you're young and broke
Yeah, I’ve noticed the “bundling” trick too - looks good on paper, but after all the extra charges, I’m not sure it’s worth it. I’ve also found that some companies have random discounts if you have certain cars or even j...
RE: Just saved a chunk of cash on car insurance after defensive driving course
I hear you on the telematics thing. I tried one of those trackers a couple years back when my insurance company was pushing it hard. Figured it couldn’t hurt, but honestly, it just stressed me out. Like, I drive a ‘72 Ch...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Yeah, it really does feel that way sometimes. I’ve had better luck with smaller agents who actually know the local scene - one even found me a “storage” discount for my old Mustang since it’s not my daily driver. Island ...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
I hear you on USAA being solid for daily drivers, but when it comes to insuring my old Mustang, their rates just didn’t make sense. Ended up going with Hagerty - way cheaper for classics, and they really get the whole co...
RE: Drowning in Forms: What If Your Insurance Docs Got Lost?
Good call on the email backups. Had a similar headache when registering my vintage Mustang - sent everything digitally, got the thumbs-up confirmation, then nothing. Waited a week before I called and found out they'd mis...
RE: Would your insurance hold up if your EV battery suddenly failed?
That's rough about your friend's EV battery - reminds me of when my classic Mustang's transmission went out right after warranty. Insurance didn't touch it either, called it wear and tear. Makes me wonder if insurers see...