Car insurance discussions and local services.
markexplorer
Discussion activity
Topics and replies this member has contributed.
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I get where you’re coming from about doing your homework, but I’ve seen too many people think they’re covered when they’re really not. Credit card coverage is notorious for having weird exclusions - like, some ...
RE: Car insurance in Wyoming: who actually treats you right?
That’s the kicker, right? They dangle the “rural discount” carrot, then whack you with the “you live in the boonies” stick. I’ve seen people get better rates just by calling and asking for a review - no switching needed....
RE: Do you really need extra insurance for a rental in Montana?
I hear you on the “loss of use” fees - those can be brutal, and most credit card coverage doesn’t touch them. Honestly, unless you’re super comfortable with waiting for reimbursement or risking a big chunk on your card, ...
RE: Why does picking a deductible feel like a weird gamble?
I totally get the temptation thing - out of sight, out of mind, right? Personally, I keep my emergency fund at a different bank with no debit card attached. Makes it just annoying enough to access that I won’t touch it u...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Title: Why does insurance cost more in Houston than Austin or Dallas? You nailed it with how random it feels. I had a client last year who moved literally four blocks to get away from a noisy neighbor - didn’t even cros...
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.
Insurance is one of those things that really shouldn’t be this confusing, but here we are. I totally get your frustration with the “full coverage” label - honestly, it’s borderline deceptive. The industry throws that ter...
RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action
Yeah, that's definitely part of it. I’ve seen people get a tiny sedan or a full-size SUV for the same claim, just based on who’s handling it. Personally, I’d rather have something basic and save the hassle - no point pay...
RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action
I get where you’re coming from. It’s wild how people will drop $6 on a fancy coffee but balk at a couple extra bucks a month for something like uninsured motorist coverage. I’ve seen folks try to save money by cutting co...
RE: stuck between Geico and Progressive in NY, thoughts?
Had a client with a mildly modded WRX - nothing crazy, just some bolt-ons and cosmetic stuff. When it got totaled, Progressive basically shrugged at all the receipts and photos, just like you said: . We tried everything,...
RE: Drowning in Forms: What If Your Insurance Docs Got Lost?
Honestly, I’ve seen people get stuck both ways - dead phone, lost papers, you name it. I always tell folks: stash a cheap printout in your glove box and forget about it. Don’t overthink it or you’ll drive yourself nuts (...
RE: Just saved a chunk of cash on car insurance after defensive driving course
Honestly, it’s a bit of both. Some insurers are just more forgiving, especially if you’ve kept your record clean for a while. But those apps? They can be a double-edged sword. I’ve seen people get dinged for stuff like “...
RE: stuck between Geico and Progressive in NY, thoughts?
Honestly, that’s the main reason I steer folks away from those “safe driver” trackers in the city. The idea sounds good, but in reality? City driving just isn’t predictable enough - someone cuts you off and you’re penali...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, I've noticed that too lately. Had a similar experience last winter - got stuck in a parking lot after work with a dead battery. It was freezing cold, and I figured AAA would be my quickest bet. Nope. Waited almost ...
RE: insurance denied my claim - what would you do?
Insurance companies definitely factor in vehicle sensitivity and repair costs when setting premiums, but honestly, it's not always as precise as you'd think. I've seen plenty of cases where adjusters overlook specific me...
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.
That's a solid point about the deductible not really affecting the speed of claims. I've seen plenty of folks get caught up thinking a lower deductible is some kind of magic bullet, but you're right - it's more about the...