Car insurance discussions and local services.
mountaineer71
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Topics and replies this member has contributed.
RE: When The Other Driver Has No Insurance And Dings Your Car
I get where you’re coming from, but I’ll admit I dragged my feet on upping my coverage for years. I always figured, hey, I’m a careful driver, and the odds of something really bad happening seemed low. Then last summer, ...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
I’ve been on both sides. My first car was a beater, so I just rolled with liability - figured if it got wrecked, I’d just move on. But when I upgraded to something a bit nicer, I caved and got full coverage. Ironically, ...
RE: Why does my zip code make my car insurance so expensive?
Yeah, I got that too - almost felt like they were reading off a script. I once moved from a quiet cul-de-sac to a spot two blocks away, and my rate jumped even though the only real difference was being closer to a busier...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
I hear you on the whole laminating thing. I tried it once and, yeah, the card basically melted into a weird taco shape after a summer in Tulsa. Been there - my phone locked up just as the trooper walked up, and I felt l...
RE: Finding decent car insurance deals on the islands - my step-by-step
Yeah, I hear you on the full coverage. I used to think it was overkill, but after my neighbor’s parked car got sideswiped by a tourist in a rental, I started rethinking things. The hassle she went through just to get a p...
RE: Classic car insurance and the annual mileage cap - worth it?
Classic car insurance and the annual mileage cap - worth it? I hear you on the “gray area” thing. I’ve had my ‘72 Datsun on a classic policy for years, and the mileage cap is always in the back of my mind - especially w...
RE: What happens if you only carry the bare minimum car insurance in Florida?
Never thought much about uninsured motorist coverage either until my cousin got sideswiped in Tampa. The other driver had nothing - no insurance, no assets, just disappeared. She had UM and said it was a pain dealing wit...
RE: Why California’s minimum car insurance might not be enough
I get where you’re coming from, but I’m still not totally convinced paying for more coverage is always worth it. I’ve been driving up and down the coast for years, usually with just the minimum, and never had a claim tha...
RE: Why California’s minimum car insurance might not be enough
Can’t say I haven’t wrestled with this myself. I used to think the minimum was just fine - figured if I’m driving an old Subaru and not exactly rolling in cash, why pay for more? But then, a couple years back, I got rear...
RE: Finding decent car insurance in Delaware without losing your mind
Man, I feel this on a spiritual level. Delaware insurance feels like a weird lottery where you never actually win anything. I once went liability-only for a year - felt like freedom until a wild turkey tried to kamikaze ...
RE: anyone else feel like AAA insurance isn't what it used to be?
I noticed that too when my cousin’s Audi needed a tow - cost was way higher than my old Corolla ever was. Maybe they think fancier cars are harder to deal with? Or is it just a sneaky surcharge because of the brand? Make...
RE: Insurance paid way less than what it cost me to replace my roof
Yeah, I’m with you on that. After my camper got sideswiped in a parking lot and the adjuster tried to chalk up the damage to “wear and tear,” I started documenting everything too. It’s a hassle, but I guess it beats bein...
RE: Insurance tips for my vintage ride needed
Honestly, I’ve always been a little paranoid about this stuff. Years ago, I swapped out the seats in my old wagon for something comfier, and the agent barely blinked when I mentioned it - just wanted a couple pics. But w...
RE: Confused about insurance rules in South Dakota - help me figure this out
Couldn’t agree more. I tried relying on my phone once during a backroads trip - signal dropped, app froze, and I was left awkwardly explaining to the trooper. Ever since, that crumpled paper copy’s been my security blank...
RE: Confused about insurance rules in South Dakota - help me figure this out
I hear you on the digital thing, but I’m still a little twitchy about it. Maybe it’s just my luck, but every time I try to rely on my phone for something official, that’s when it decides to freeze or die. Had a cop in Ra...