Car insurance discussions and local services.
lindafilmmaker
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Topics and replies this member has contributed.
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
Adding teens to the insurance is a pain, but honestly, I’d rather deal with higher premiums than a mountain of paperwork if something goes wrong. My oldest only drives our car maybe once or twice a month, so I debated it...
RE: Do you really need extra insurance for a rental in Montana?
Right? Montana dust is basically a feature, not a bug. I used to skip the extra insurance, but after one windshield crack from a random rock, I’m sold. Not cheap, but it beats arguing about every chip and smudge.
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Yeah, I get that feeling every renewal cycle. After another claim-free year, it’s hard not to think about switching to liability only, especially since my car’s not worth much on paper anymore. But then I remember how ex...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Honestly, I get where you’re coming from. When I got my first car, I went with full coverage for the first couple years just for peace of mind - mainly because I was nervous about making a costly mistake. After that, onc...
RE: Saving a few bucks on insuring your vintage ride
Honestly, I’m not convinced those policies are worth the hassle unless your car barely leaves the garage. I’ve heard stories about claims getting tricky if you admit to anything that sounds like “regular use” - even just...
RE: Do you really need extra insurance for a rental in Montana?
I get where you’re coming from - those “loss of use” fees are what always make me pause, too. I haven’t had to file a claim myself, but I’ve read enough horror stories about people’s personal insurance not covering every...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
Honestly, I think having backups everywhere isn’t as overkill as it sounds. I keep a paper copy in my wallet, one in the glove box, and a PDF in my email. Never had an issue, even when my phone died or the car got too ho...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
That’s exactly why I’m cautious. Permissive use technically covers it, but if your friend crashes, it’s your insurance that takes the hit - your rates can go up, not theirs. Happened to my cousin last year. Even though i...