Car insurance discussions and local services.
mhill69
Discussion activity
Topics and replies this member has contributed.
RE: Comparing a Parent-Listed Vehicle With a Separate Student Driver Policy
The “assigned primarily to the newer or more expensive car” point is especially important here. I’d ask each insurer, in writing, how the student’s regular access to every household vehicle affects driver assignment, rat...
RE: Car insurance in Wyoming: who actually treats you right?
Couldn’t agree more. I’ve been in a couple scrapes (my own fault, not proud), and every time, the only thing that saved me from getting totally steamrolled by the insurance folks was having a stack of receipts and photos...
RE: Saving cash just for driving less? Didn’t think it was real
I totally get the tracker thing - having that device in my car made me feel like I was being watched 24/7, and it just didn’t sit right. I tried pay-per-mile for a few months after a couple of speeding tickets, thinking ...
RE: Do I really need extra insurance when renting a car in VA?
I’ve had my fair share of “mystery” dings show up on rentals, and it’s wild how small stuff can turn into a big bill. I always spring for the extra coverage, even if it feels like overkill. Has anyone actually gotten bur...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Totally get this. I’ve been burned before - had a fender bender with a buddy driving and the insurance tried every trick to avoid paying. “Occasional use” turned into “well, he drove it twice last month, that’s not occas...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
That’s exactly why I’m paranoid about “deals” that sound too good. I’ve had tickets and a fender bender, so I always double-check what’s actually covered. Has anyone here actually gotten a payout for custom parts, or is ...
RE: Deductibles and premiums - what's the real deal?
I get where you’re coming from, but after totaling my car last year (icy roads, zero control), I’m way more cautious now. That deductible hit hard. Sure, premiums sting, but the peace of mind’s worth it for me these days...
RE: Deductibles and premiums - what's the real deal?
I get where you’re coming from, but honestly, I’ve been burned too many times with the high deductible route. I drive in city traffic every day and it’s like a magnet for fender benders and random scrapes. Last year, I h...
RE: bumped someone's car lightly, no visible damage - should I report?
Yeah, I think you're onto something there. Older cars were definitely simpler - fewer delicate parts to worry about - but tougher? Not always. I remember lightly tapping someone's bumper years ago in my old '92 Civic... ...
RE: saving cash on insurance when you're young and broke
Honestly, I was skeptical about trackers too, especially since I tend to push my luck sometimes (got a couple speeding tickets to prove it...). But I gave one a shot for a few months, and surprisingly, it wasn't as restr...
RE: how bad would insurance spike after a DUI in Idaho?
Yeah, no kidding. Got a DUI back in 2021 and my rates here in Idaho jumped almost double overnight. Even after shopping around and taking defensive driving courses, it barely budged. Honestly, it's just not worth the ris...
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.
Totally agree with this. As someone who's had my share of close calls (and premiums to match...), I've learned never to assume coverage. "Full coverage" can be misleading - always double-check specifics, especially for w...