Car insurance discussions and local services.
mountaineer32
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Topics and replies this member has contributed.
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
Honestly, you’re not being paranoid at all. I’ve seen folks get stuck because their phone died right when they needed to show proof - never fun. Having a paper copy in the glove box is just smart, and tossing one in your...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, that “period 1” gap is a real headache. A lot of drivers don’t realize their personal policy usually excludes coverage the moment the app’s on, even if they’re just idling in a parking lot. Some insurers offer ride...
RE: What happens if your rideshare app is between trips and you get into an accident?
Honestly, I get the frustration, but sometimes people overlook that you can actually add a rideshare endorsement to your personal policy. It’s not always super expensive and can fill that weird coverage gap. Worth checki...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
That’s a really good point about the older car - sometimes liability-only on a beater is the way to go, especially if you’re not worried about replacing it. I’ve seen families save a chunk that way, but yeah, it’s not fo...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I hear you on the paperwork headaches. One thing I always tell folks - snap pics of your car and important docs with your phone, then email them to yourself. That way, even if the folder goes missing, you’ve got a backup...
RE: Car insurance in Wyoming: who actually treats you right?
Honestly, most of the big-name companies just don’t get what it’s like out here. I’ve seen a couple of regional carriers - like Mountain West or Farm Bureau - offer more tailored coverage, especially if you mention ranch...
RE: USAA vs State Farm: which claims process is less of a headache?
That’s honestly the key with State Farm - having a local agent who knows you and your car can make things way smoother. With USAA, they’re super polite, but once you mention “classic Mustang,” it’s like the gears grind t...
RE: Are those price-checker sites actually reliable?
I totally get where you’re coming from. Those price-checker sites are handy for a ballpark, but they don’t tell the whole story. That bit you mentioned - - really hits home for a lot of people. I’ve seen folks get ...