Car insurance discussions and local services.
mechanic62
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Topics and replies this member has contributed.
RE: Cutting Insurance Costs: What Actually Works?
I’ve wondered the same thing about those telematics deals. My cousin tried one and said the app dinged him for driving after midnight, even though he was just coming home from work. He did save a bit, but it felt like he...
RE: Do I really need extra insurance when renting a car in VA?
Yeah, I totally get where you’re coming from. The “loss of use” thing always trips me up too - my insurance covers damage, but not those extra fees the rental company piles on. I’ve read that some credit cards fill in th...
RE: Do you really need extra insurance for a rental in Montana?
I get what you mean about the reps just repeating the fine print. I tried calling my card company before a trip last year and honestly, it felt like I was going in circles. That was exactly my issue - they couldn’t tell...
RE: How is ACV not just a fancy way to pay us less?
I get where you’re coming from, but I kinda see why insurance companies use ACV instead of just paying out what we think our cars are worth. If they gave everyone the full price they paid or what they put into upgrades, ...
RE: How is ACV not just a fancy way to pay us less?
I get what you’re saying, but honestly, I’m not convinced those receipts always help as much as people think. Like, - sure, but I’ve heard stories where adjusters just ignore all that and stick to their database values....
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
Honestly, I get the hype around AAA, but I’ve heard mixed things about their response times, especially in really rural spots. My cousin waited almost three hours for a tow outside a tiny town last winter - he said it wa...
RE: Do you really need extra insurance for a rental in Montana?
Yeah, I totally get where you’re coming from. I used to think my regular insurance or credit card would have me covered, but then I actually read through the fine print and realized how many things aren’t included - like...
RE: Why California’s minimum car insurance might not be enough
Honestly, I used to think the minimums were enough too, but after looking at the average cost of repairs (like, even a bumper can be over $1k), it started to seem kinda risky. I get being tight on money - insurance alrea...
RE: Getting caught without car insurance in Iowa is no joke
I get what you mean about redundancy. I’ve always wondered, though - if you only have the digital proof and your phone dies, do most officers actually give you a ticket, or are they usually understanding? I feel like it ...
RE: Finding decent car insurance deals on the islands - my step-by-step
Honestly, I feel you on this. I tried to strip my policy down to just liability and UM too, and it was like pulling teeth. They kept telling me I’d “regret it” if I dropped roadside, but I’ve never used it anyway. It’s w...
RE: Car insurance in Wyoming: who actually treats you right?
Man, that’s rough. I’ve heard so many stories about paperwork getting lost or shuffled around, especially out here where things just seem to move at their own pace. Scanning everything is smart - I started doing that aft...
RE: Getting that student discount on car insurance… not as easy as I thought
I get where you’re coming from, but I actually think the apps aren’t *always* out to get us. Like, yeah, they totally miss the context when a squirrel makes you slam on the brakes, but I’ve noticed if you keep your phone...
RE: stuck between Geico and Progressive in NY, thoughts?
I’ve noticed the same thing with the “depends on who you talk to” factor. When I called Geico, I got a super clear answer about what they’d cover for mods, but my friend swears Progressive was way easier for his custom e...
RE: Someone smashed my parked car - deal with insurance or call the cops?
Yeah, I had something similar happen last year. My car got sideswiped while parked, and I figured I’d just deal with insurance since the damage seemed minor. Turns out, they kept bugging me for a police report anyway. En...
RE: Someone smashed my parked car - deal with insurance or call the cops?
I get the logic behind calling the cops, but honestly, I think it can depend on where you live and what kind of damage you’re dealing with. Like, in my city, the police won’t even come out for minor property damage anymo...