Car insurance discussions and local services.
mochah43
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Topics and replies this member has contributed.
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
Man, I hear you on those insurance costs - they’re brutal. When my oldest started driving, we had the same sticker shock. We did manage to get him listed as an “occasional driver” after a bunch of back-and-forth with our...
RE: Running out of gas and waiting forever for help
Running out of gas and waiting forever for help That’s rough - been there, and it’s not fun. I used to think my minivan was immune to these kinds of mishaps since I’m always shuttling kids around and keeping an eye on t...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
Yeah, the dashboard photo thing cracks me up too. I swear, half the time I’m squinting at my own blurry odometer trying to figure out if that’s a 3 or an 8. Once, my kid’s juice box made a cameo in the shot and the insur...
RE: Would you risk a higher deductible to lower your insurance bill?
That’s exactly where I landed after a similar situation. We had a fender bender in the school parking lot - nothing major, but the deductible stung. I’d rather pay a bit more each month and not worry as much when life th...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
I get what you mean about digital being quicker, but I’ve actually had a couple of online claims get stuck in limbo. One time, the app glitched and I didn’t even know my claim hadn’t gone through until I called weeks lat...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Same here. My cousin borrowed my minivan a few weekends in a row when his was in the shop, and I actually called my agent just to double check. Turns out, two times was fine, but three would've been pushing it. Honestly,...
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.
Living in the Midwest, I definitely factor in the weather. We had a hailstorm a couple years back that wrecked a bunch of cars in our neighborhood - my neighbor’s sedan looked like someone took a baseball bat to it. We k...
RE: stuck between Geico and Progressive in NY, thoughts?
Couldn’t agree more. We had a minivan in the shop after a parking lot scrape, and Geico’s “preferred” shop did a pretty mediocre job. My wife still points out the paint mismatch. Saving $10 a month wasn’t worth the hassl...
RE: How do they actually decide when a car is “totaled”?
I’ve wondered about that too, especially since my minivan’s got a few “upgrades” (if you can call a backup cam and some seat covers upgrades). From what my agent told me, even if you list everything, they’ll usually depr...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
Had to laugh reading this - reminded me of when we bought our last minivan. Thought the first quote looked “decent,” but my wife convinced me to check one more place. Ended up saving $900 and got free roof racks tossed i...
RE: Insurance paid way less than what it cost me to replace my roof
Insurance Paid Way Less Than What It Cost Me To Replace My Roof That’s rough - been there myself with our old minivan after a hailstorm. The payout barely covered half the repairs, and I remember feeling like I’d missed...
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.
I get where you’re coming from, but I had kind of the opposite happen when our minivan got sideswiped last year. The adjuster was all business at first, but once I pulled out the photos of the booster seats and the after...
RE: Are Loyalty Perks With Insurers Even Worth It Anymore?
That line hit home. Last year, I stuck with my insurer out of habit, thinking loyalty would pay off. Then my neighbor switched and got a better rate plus roadside assistance tossed in for free. Meanwhile, my “loyalty dis...
RE: Would your insurance hold up if your EV battery suddenly failed?
Had a similar thing happen with our hybrid a couple years back. The battery just stopped holding a charge, which felt sudden to us, but the mechanic said it had probably been degrading for months. Insurance basically shr...
RE: stuck between Geico and Progressive in NY, thoughts?
I’ve actually been through this with Progressive, and they were surprisingly decent about it. My dad handed down his old ‘98 Camry to me a few years back - definitely not a classic, but it’s creeping up there in age. I w...