Car insurance discussions and local services.
molly_whiskers
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Topics and replies this member has contributed.
RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
That’s interesting, because I’ve heard the same thing about garagekeepers, but it always seems like there’s a gray area when it comes to who pays first. I had a friend whose car got dinged at a mechanic’s and the shop tr...
RE: Car insurance in Wyoming: who actually treats you right?
Never had an agreed value claim myself, but I’ve heard the same thing - sounds “easy” until you actually need the money. My neighbor had to jump through hoops after a deer totaled his classic truck, even with agreed valu...
RE: Do you really need extra insurance for a rental in Montana?
I’ve had the same doubts, especially after a buddy of mine found out his card only covered collision, not glass or tires. That’s where they get you - lots of exclusions buried in the details. Montana roads can be unpredi...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Not sure I totally buy the idea that bundling isn’t worth it. For me, the savings were small at first, but after a couple years with no claims, my rates actually dropped a bit more. Maybe it depends on the company? Also...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Yeah, I’ve run into that too. Thought my policy had me covered for everything, but when I actually dug into the details, there were all these exceptions for “app on, no passenger.” It’s wild how they word things just eno...
RE: Car insurance in Wyoming: who actually treats you right?
Ain’t that the truth. I’ve had a claim with Allstate that moved at glacier speed, so it’s definitely not just State Farm. Honestly, I’m convinced paperwork disappears into a black hole somewhere between my glove box and ...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, I’ve run into that too. Sometimes I feel like the register’s got more attitude than the cashier. I get why they don’t want us stacking deals, but half the time it just feels random. One store let me use both, next ...
RE: Lowball insurance estimate - worth fighting or just let it go?
Honestly, I’ve never had an insurance claim go smoothly the first time. They always “forget” something, like it’s a game. Totally agree on the photos - wish I’d learned that trick sooner. $1k isn’t pocket change, either....
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get what you’re saying, but I’ve heard stories where someone thought “permissive use” had them covered, then the insurer pushed back because it wasn’t “occasional” enough. Has anyone actually had a claim denied for thi...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Yeah, that’s exactly where I get stuck too. I drive a lot for work, so statistically, my odds of needing to file a claim are higher than average. The savings on premiums with a higher deductible look good on paper, but o...
RE: saving cash on insurance when you're young and broke
Raising my deductible was the only thing that actually made a noticeable difference for me too. I bumped it up a few hundred bucks and suddenly my monthly payment dropped way more than any of the bundling “discounts.” It...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Yeah, it’s wild how one accident - even when it’s not your fault - can haunt your rates for years. I’ve always wondered if it’s actually worth fighting the insurance company or just letting it go and hoping the rates dro...
RE: quick heads-up on Arkansas auto insurance basics
Yeah, those storms are no joke. I actually switched to liability last year thinking I’d save a few bucks, but then a hailstorm rolled through and dinged up my hood pretty bad. Ended up regretting it when I saw the repair...
RE: Finally figured out how to stop worrying about roadside help running out
You're definitely not paranoid, but I gotta admit, carrying a spare fuel pump around sounds a bit intense to me. Then again, I've never driven anything older than my '04 Civic, so maybe I'm just spoiled by modern reliabi...
RE: Finally figured out how to stop worrying about roadside help running out
Yeah, I've always been a bit skeptical about those portable starters. Had one myself, and it worked fine the first year or so, but after that... not so much. Still, can't deny it did bail me out once on a freezing mornin...