Car insurance discussions and local services.
megane81
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Topics and replies this member has contributed.
RE: Does a borrowed car’s policy cover a DIY supply run?
The split between third-party liability and damage to the borrowed car is important. In many cases, the owner’s policy is primary for liability to other people, with the student driver’s policy potentially providing exce...
RE: Should I wait for credit improvement or shop insurers before renewal?
The mileage, garaging address, and use classification checks are especially important, but I’d add the additional coverages to that same comparison. A quote can look cheaper simply because it leaves out rental reimbursem...
RE: anyone else feel like AAA insurance isn't what it used to be?
Totally get that. I remember when I first signed up, I thought “roadside assistance” meant they’d basically save me from anything short of an alien abduction. Turns out, nope - my battery died in a parking lot and appare...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I get where you’re coming from, but I had a fender bender last winter - just a slow slide at an icy intersection - and the repair bill was way higher than my “rainy day” stash could handle. The insurance covered most of ...
RE: Little-known trick with Progressive’s roadside help
That’s no joke. I used to think carrying planks was just for folks running wild camber, but after my first time getting stuck on a speed bump (embarrassing, honestly), I started keeping a pair of old 2x8s in the trunk. N...
RE: How do they actually decide when a car is “totaled”?
I tried to argue for my aftermarket stereo once - spent way too long explaining how it was “integral to the driving experience.” The adjuster just kind of nodded and said, “We only cover OEM value unless you have a speci...
RE: is accident forgiveness really worth it in Ohio?
Honestly, I get where you’re coming from. My uncle’s insurance jumped almost $70 a month after a minor rear-end last winter, and he’d been driving for decades with a clean record. It made me rethink the whole “just anoth...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Honestly, I get that. My first car, I went for a lower deductible because I was nervous about making mistakes (parallel parking is my nemesis). Ended up scraping a mailbox my second week - didn’t feel as bad paying less ...
RE: little-known ways to snag cheaper insurance in Alaska
Bundling is one of those things I used to think was just a marketing gimmick, but I did the math and, weirdly, it actually made a difference for me. My parents have their home and auto with the same company, and when I g...
RE: anyone else feel like AAA insurance isn't what it used to be?
I’ve noticed the same thing - the app and site both seem to be stuck in the past, info-wise. Last week, I tried to update my policy through the app and it just spun forever. Has anyone actually had luck getting roadside ...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Glad your experience was smooth, but honestly, mine wasn't quite as seamless. Had a minor fender-bender last spring, and while State Farm's app was decent, the follow-up felt a bit impersonal. Took multiple calls to get ...
RE: finally found an insurance company in CA that doesn't drive me nuts
Haha, sounds familiar... I once decided to install fog lights on my Civic - figured it'd be a quick plug-and-play thing. Three hours later, I'm knee-deep in wiring diagrams and wondering why Honda hates me. Worked eventu...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Exactly, management makes all the difference. I remember when my uncle had to get his classic Mustang inspected, and the inspector got hung up on a tiny oil stain on the garage floor. Seriously, cars leak sometimes...doe...