Car insurance discussions and local services.
lisab30
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Topics and replies this member has contributed.
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Mileage-based insurance would make a lot of sense, especially for folks with cars that barely leave the driveway. I’ve looked into those plug-in trackers, but my insurer doesn’t offer them yet. It’s frustrating paying th...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, it’s wild how murky this stuff gets. I looked into it a while back and found out that if you’re in “period 1” - app on, waiting for a ride - your personal policy usually won’t touch it unless you have that rideshar...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
Adding a teen driver in Hawaii: bundle with parents or separate policy? We bundled our teen with us last year, and honestly, the price hike was brutal. I compared it to a separate policy, but that was even worse - like,...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
I’ve noticed the same thing about officers preferring a physical card, even when the digital one is technically valid. That’s happened to me twice - once in Oklahoma and once in Kansas. Both times, they just seemed to wa...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
It’s honestly like trying to read hieroglyphics, figuring out what’s covered in Period 1. I’ve never had a claim in that exact window, but my neighbor did - she got rear-ended while waiting for a ping. Took her months to...
RE: Mileage-based car insurance: who’s using it and which company do you like?
Mileage-based insurance sounded perfect for us at first - two kids, lots of short trips, but not a ton of long drives. Turns out, those “just dropping off at soccer” and “quick grocery run” miles add up way faster than I...
RE: Insurance paid way less than what it cost me to replace my roof
That’s fair, and I’ve considered doing the same. Still, after seeing how much my neighbor was out of pocket when his roof got totaled, I started thinking replacement cost isn’t just about peace of mind - it’s about not g...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I’ve noticed agents definitely push more “extras” once you hit a certain age - like roadside assistance or higher medical, even if you don’t need it. I double-checked everything after my last quote and cut out a few thin...
RE: Roadside help added to my insurance - totally worth it?
I get the argument for AAA, but honestly, insurance roadside has worked out fine for us. We’ve got three kids and a minivan that’s not exactly new, so I was worried about breakdowns. But in the last year, we used our ins...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, I’ve run into this too, especially at the grocery store. Tried to use my points and a digital coupon on the same trip - no dice. The cashier just shrugged and said, “System won’t let me.” Kind of wild that in 2024,...
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.
Yeah, that’s been my experience too. I had a minivan a few years back and added a roof rack and some upgraded headlights. When I switched insurance, I asked about coverage for the extras - turns out they only covered fac...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Totally get where you’re coming from with the trackers. I tried one for a while and it dinged me for “hard braking” too, even though it was just normal stop-and-go traffic. Like you said, what are we supposed to do - jus...
RE: is accident forgiveness really worth it in Ohio?
I get where you’re coming from. I’ve got two kids about to start driving, and honestly, the idea of one mistake wrecking our rates is stressful. Has anyone actually had accident forgiveness pay off in Ohio, or is it most...
RE: is accident forgiveness really worth it in Ohio?
Had the same debate myself recently - two teens at home now, and one fender-bender later, I'm glad we opted in. But if it were just me driving, I'd probably skip it and pocket the savings instead.
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Totally agree about reassessing regularly - it's easy to set it and forget it, but circumstances change. I do something similar, but I also factor in the age and value of my car. When my car was newer, I kept a lower ded...