Car insurance discussions and local services.
law_susan
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RE: Insurance spike after DUI in NM - anyone else shocked by the rates?
Ask the insurer how long it considers the DUI when setting your premium, and whether that impact changes at renewal as the conviction gets older. The insurer can also explain how its rating period relates to any separate...
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
Honestly, I’ve never had much luck getting a straight answer from insurance agents either. They always seem to dodge specifics and just recite policy jargon. I get why you’re frustrated - had a similar mess with a leaky ...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I get wanting to save - those premiums can really sting, especially once you hit a certain age bracket. But I gotta say, I’ve had my fair share of trouble with smaller insurers when things actually went sideways. Had a h...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I hear you on the local agent thing. I’ve had State Farm for years, and while their app is fine for basic stuff, when my car got sideswiped last fall, the real progress happened after I called the office down the road. T...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I get where you're coming from, but I’ve always felt like some of these requirements are a bit heavy-handed. Don’t get me wrong, I’m not saying go without coverage - been there, paid the price - but sometimes it feels li...
RE: Classic car insurance and the annual mileage cap - worth it?
Honestly, I think you’re spot on. I’ve had classic car insurance for years, and the mileage cap always sounded scarier than it actually is. I used to stress about going a few miles over, but in practice, nobody’s ever as...
RE: Renting a car: stick with GEICO or pay for the rental company’s insurance?
I’ve actually had this exact worry before. Like you said, That’s what my agent told me too, and honestly, it made me super cautious about ever using my personal policy for rentals. I’ve never seen my rates go up from a ...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
Rising premiums for business vehicle fleets - anyone else notice this? I hear you on the tech trade-off. My fleet’s newer vans have dodged a couple fender benders thanks to backup cams, but when one mirror got clipped, ...
RE: Finding decent car insurance in Delaware without losing your mind
Honestly, I get what you’re saying, but I’ve been burned before by just jotting down a name and date. Sometimes they “forget” what they told you on the phone. Like you said, - I learned that the hard way. I’d rather hav...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
I totally get where you’re coming from. I’ve been driving for over 20 years now, and insurance still feels like a maze sometimes. The “acts of rodents” thing cracks me up too - my neighbor actually had a raccoon chew thr...
RE: Confused about insurance rules in South Dakota - help me figure this out
I get where you’re coming from with the paper backup, but honestly, I think we’re giving the system too much of a pass by just accepting that it’s “safer” to keep printing stuff out. I’ve been pulled over twice in the la...
RE: Finally figured out how car insurance works in no-fault states
Haha, totally get you on that. Honestly, around $80-$120 is the sweet spot for dashcams. I got mine for about $90 and it captures clear plates even at night. Installation-wise, plugging into the cigarette lighter works p...
RE: is accident forgiveness really worth it in Ohio?
Yeah, I see your point, but honestly, accident forgiveness saved me a headache once. Had a minor slide into a mailbox (thanks, icy driveway...) and it kept my rates stable. Still, I get why some folks skip it - depends o...
RE: stuck between Geico and Progressive in NY, thoughts?
I've been using Snapshot here in Queens for about a year now, and honestly, at first I was super aware of every little brake tap. Felt like I had someone watching over my shoulder, lol. But after a couple weeks, it actua...
RE: Finally figured out my state's minimum car insurance rules and saved some cash
I've always kept roadside assistance on my policy, honestly. Dropping comprehensive makes sense if you're cool with the risk, but roadside assistance is such a small cost for big peace of mind. Last summer I got stranded...