Car insurance discussions and local services.
mechanic33
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Topics and replies this member has contributed.
RE: Insurer estimate vs. independent shop estimate: when is a supplement worth it?
Whether the insurer pays the difference can depend on how its estimate was set up: - If it’s a standard parts-and-labor estimate, the shop can document its actual rate, parts choice, and any concealed damage through a s...
RE: Do you really need extra insurance for a rental in Montana?
Had a buddy who rented in Montana and a deer ran into his car - literally, the deer hit him. His regular insurance covered most of it, but the rental company still tried to ding him for “loss of use.” Those little clause...
RE: How did you feel after your first accident and dealing with insurance?
Honestly, I get the frustration with comparison sites, but I’ve actually had better luck with them than going direct. Quick story: when my ‘72 Charger got rear-ended, I was knee-deep in policy jargon trying to figure out...
RE: Why can’t I use my points AND a coupon at checkout?
- Totally get you on the “secret code” thing - sometimes I feel like I need a decoder ring just to buy oil filters with my rewards. - With my old Mustang club, we get straightforward perks, but at big box stores? Forget ...
RE: Finding budget-friendly auto insurance in Alabama: my step-by-step
- Had the same runaround last year - chat told me my ‘72 Chevelle would get a classic car discount, then the paperwork showed regular rates. - Learned to screenshot every chat. My glovebox is basically a filing cabinet...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
- Been there - loyalty points apparently don’t exist for insurance, just higher bills. - In my experience, both big and small companies sneak those rate hikes in. The big guys just do it with fancier envelopes. - Switche...
RE: Would your insurance hold up if your EV battery suddenly failed?
- That’s what gets me - insurance loves the “wear and tear” loophole. - My ‘72 Charger’s battery died once after a show, and the tow guy just laughed - said it was “classic car problems.” - With EVs, though, is a bat...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
- Had the same worry when I first insured my ‘72 Chevelle. - My agent just asked a bunch of questions - didn’t need proof right away, but she did say if I ever had to make a claim, they’d want to see receipts or photos...
RE: Drowning in Forms: What If Your Insurance Docs Got Lost?
- Been there - my glove box is basically a time capsule of every registration and insurance card since 2009, plus a petrified french fry or two. - Tried going digital, but last time my phone died, I was stuck showing a c...
RE: Insurance paid way less than what it cost me to replace my roof
- Been there, done that - insurance paperwork is like trying to read hieroglyphics after a few beers. - I actually dragged my agent into it, made him explain every weird clause. He wasn’t thrilled, but hey, I’m not payin...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Haha, totally agree on the defensive driving course - did mine last year and felt like I was back in driver's ed (minus the acne and awkwardness). A few hours of cheesy videos later, my wallet thanked me. Another little ...
RE: saving cash on insurance when you're young and broke
Haha, I totally relate to that initial paranoia. When I first got mine, I drove like my grandma for weeks - felt like the tracker was silently judging every rev and brake tap. But honestly, after a while, you really do s...
RE: saving cash on insurance when you're young and broke
Haha, been there. When I got my first classic, I went nuts with coverage - like, "what if a meteor hits the garage?" level nuts. After a year of paying premiums that cost more than my actual repairs, I realized I could c...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
Totally agree with the points made here - smaller insurers can be a hidden gem. A couple quick thoughts from my own experiences: - Big companies often lump classic car folks into generic risk categories. Had a buddy wit...
RE: stuck between Geico and Progressive in NY, thoughts?
Gotta say, roadside assistance is nice and all, but honestly, I wouldn't make that the deciding factor between Geico and Progressive. Here's why: - Roadside assistance is handy, sure, but I've had AAA for years and it's...