Car insurance discussions and local services.
musician37
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Topics and replies this member has contributed.
RE: How picking a “boring” car turned into a wallet win
Couldn’t agree more. My old beige sedan is about as exciting as a bowl of plain oatmeal, but you know what? It’s never caught the wrong kind of attention, and my insurance bill is laughably low. I used to think I’d miss ...
RE: Why does insurance cost more in Houston than Austin or Dallas?
I hear you about the unpredictable weather - Houston’s hail scares me every spring. But honestly, I’ve actually found a couple of companies here that offered better coverage at a lower rate than what I had back in Austin...
RE: What happens if your rideshare app is between trips and you get into an accident?
Had a similar debate with myself last year. My old Corolla’s barely worth more than the deductible, so I skipped the gap coverage too. Knock on wood, nothing’s happened yet, but honestly, sometimes you just gotta do the ...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
That line cracked me up because it’s so true. I used to think “permissive use” was a magic shield too, until my cousin borrowed my car for a Target run and rear-ended someone in the lot. Wasn’t a huge deal, but the insur...
RE: Mileage-based car insurance: who’s using it and which company do you like?
I get where you’re coming from, but I’ve actually had a pretty decent experience with mileage-based insurance - though I’m driving a 2008 Corolla, so maybe that helps? The device I got (Metromile, if anyone’s curious) se...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
I can’t help but nod at this - bundling saved us a ton when our twins started driving. We tried telematics with our oldest and, uh, let’s just say it was eye-opening. Has anyone actually seen their rates go down with th...
RE: Why does picking a deductible feel like a weird gamble?
I get where you’re coming from, but honestly, I lean the other way. I’ve always picked the higher deductible just to keep my monthly costs down. Yeah, it stings if something happens, but for me, it’s rare enough that the...
RE: is accident forgiveness really worth it in Ohio?
Honestly, I’m right there with you on the older car thing. That’s exactly how I feel about my ‘01 Civic. I’d rather pocket the savings than pay for accident forgiveness I’ll probably never use. Maybe if I had a newer ca...
RE: Someone smashed my parked car - deal with insurance or call the cops?
Totally get this. I once thought skipping the police report would save me time - ended up spending weeks going back and forth with insurance instead. It’s annoying, but that paperwork really does save headaches down the ...
RE: saving cash on insurance when you're young and broke
Yeah, learned that the hard way myself. Stayed with one insurer for like 3 years thinking they'd reward me for sticking around... nope, rates kept climbing. Finally switched and saved a decent chunk. Also found that twea...
RE: Finally figured out how car insurance works in no-fault states
I hear you on the dashcam thing. Mine mostly captures me singing badly to the radio or muttering about slow drivers...not exactly riveting footage. But honestly, when a guy backed into me at the grocery store parking lot...
RE: bumped someone's car lightly, no visible damage - should I report?
Yeah, I can totally relate to this. A couple of years ago, I was backing out of a tight parking spot downtown and lightly bumped the car behind me. Got out, checked everything - no scratches, dents, nothing. The other dr...
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.
Had something similar happen a few years back - insurance said hail dents were "just cosmetic," but when I went to sell, buyers kept pointing them out and knocking down the price. Definitely worth pushing back gently...s...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Yeah, good point about neighborhood enforcement... reminds me of when my neighbor's old VW camper - definitely not a beauty queen - never got bothered, but another friend's shiny Corvette was ticketed repeatedly. Maybe s...
RE: Finally figured out how car insurance works in no-fault states
That's pretty interesting, but honestly I've had a bit of a different experience. A couple years ago, I moved across town into an area that everyone warned me had higher crime rates and supposedly worse accident stats. N...