Car insurance discussions and local services.
minimalism_jeff
Discussion activity
Topics and replies this member has contributed.
RE: How is ACV not just a fancy way to pay us less?
Man, that’s exactly where I landed too. I remember when my old Civic got totaled - insurance guy hit me with the ACV number and I was like, “Wait, that’s it?” But after hearing horror stories about folks trying to chase ...
RE: Would you risk a higher deductible to lower your insurance bill?
Honestly, I get it. I’m in the same boat - well, maybe more like a leaky canoe, but you know what I mean. My deductible’s sitting at $1,000, and every time I see my monthly premium, I convince myself I’m a financial geni...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Hidden fees are the worst - like, you think you’re being all clever with pay-per-mile, then boom, “device activation fee” or some other nonsense pops up. Been there. As for uninsured motorist coverage, I used to roll my ...
RE: How do they actually decide when a car is “totaled”?
Right? I had an old Corolla that was basically indestructible - ran like a champ, interior was cleaner than my kitchen, but one fender bender and the insurance guy starts talking “total loss” like it’s a magic spell. I s...
RE: little-known ways to snag cheaper insurance in Alaska
Man, I hear you on the deductibles - after my cousin’s Subaru had a “run-in” with a caribou, he swore off high deductibles forever. One thing that actually surprised me was asking about mileage discounts. I barely drive ...
RE: is accident forgiveness really worth it in Ohio?
I hear you on the city driving roulette - Cleveland’s got more potholes than my grandma’s colander, and the drivers aren’t much better. That bit you mentioned, - man, that’s the truth. I once tapped a guy’s bumper at a ...
RE: quick heads-up on Arkansas auto insurance basics
Man, you’re not kidding about unpredictable. Last year, my neighbor’s kid launched a baseball right through my back windshield. Insurance lady actually laughed when I told her it was a “pop fly claim.” I used to be all a...
RE: stuck between Geico and Progressive in NY, thoughts?
Had Geico a couple years back when I was living in Queens. Never had to use the rental coverage (thankfully), but when my side mirror got clipped by a delivery guy on a scooter (classic NYC moment...), Geico handled it p...
RE: is accident forgiveness really worth it in Ohio?
I feel you on this one. I had accident forgiveness with my old insurer here in Ohio, thinking it was a smart move - until I actually had a minor fender-bender (totally my fault, sadly). Sure enough, they "forgave" me, an...
RE: finally found an insurance company in CA that doesn't drive me nuts
I've had similar luck with those gauges...mine's basically decorative at this point. Last time I trusted it, I ended up flagging down some random guy in a Target parking lot at night to borrow jumper cables - talk about ...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, I've definitely noticed a shift too. Funny you mention the scripted feeling - I had a call recently that felt exactly like that. I called in because I wanted to see if I could trim down my policy a bit (trying to s...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Haha, exactly my experience. Reminds me of when my roommate borrowed my car for a quick grocery run and ended up rear-ending someone at a stoplight (nothing serious, thankfully). Thought my PIP would cover everything smo...
RE: need advice: bundle insurance with registration or keep separate?
I tried bundling once, thinking I'd save a few bucks and simplify life. Spoiler alert: didn't really pan out. Sure, it was convenient at first, but when I had a minor fender-bender (thanks, grocery store parking lot...),...