Car insurance discussions and local services.
milow55
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RE: How picking a “boring” car turned into a wallet win
I get the appeal of a Civic that just does its job, but isn’t there a point where “boring” starts to feel like settling? I mean, yeah, you’re saving money and avoiding headaches, but at what cost? Driving’s not just abou...
RE: Would you risk a higher deductible to lower your insurance bill?
Honestly, I’ve lost count how many times I’ve weighed that exact thing. Higher deductible sounded smart until I realized I’m not exactly “incident-free” behind the wheel. Every time I scraped a pole or someone dinged my ...
RE: Do you really need extra insurance for a rental in Montana?
Loss of use fees are a killer. I got burned on that in Vegas - cracked a bumper, nothing major, but the rental company charged me for every day the car sat in their shop waiting for a part. My insurance didn’t touch it. ...
RE: Do you really need extra insurance for a rental in Montana?
Extra insurance in Montana? Depends what you’re doing, but I wouldn’t trust card coverage if you’re anywhere near dirt or gravel. I’ve had a rental company try to stick me with a $2k bill for a rock chip on a forest road...
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.
Yeah, “full coverage” is a joke. I’ve had tickets and accidents, so I pay through the nose for insurance, and even then, I still have to double-check every little thing. Last year, I found out my “full” policy didn’t cov...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Man, you’re not kidding about Kansas being its own animal. I’ve got a couple of dings on my record and it feels like they just tack on an extra fee for breathing at this point. Does anyone actually get more than pocket c...
RE: Insurance tips for my vintage ride needed
Honestly, I don’t bother with a log. I just take a bunch of dated photos whenever something changes - way easier than writing stuff down, and adjusters can’t really argue with timestamps. If you keep a log but miss one t...
RE: Why California’s minimum car insurance might not be enough
Title: Why California’s minimum car insurance might not be enough I get where you’re coming from about not wanting to pay more than you have to, especially if your car isn’t worth much. But honestly, the minimums here a...
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RE: little-known ways to snag cheaper insurance in Alaska
Yeah, I hear you on the tracking apps. That’s exactly why I ditched mine. I get tagged for “aggressive driving” just trying to avoid a moose or some idiot spinning out in front of me. Doesn’t matter if you’re careful - ...