Car insurance discussions and local services.
mvortex93
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RE: Finally found a decent insurance deal as a newbie driver
Couldn’t agree more, those black boxes can be a pain. I had one fitted for a bit and it flagged me for “sharp cornering” every time I took a roundabout like a normal person. I get that they’re trying to encourage safer d...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
I get where you’re coming from, but I’ve always been a little wary about cutting coverage too much. Had a buddy with an old Mustang who did the same - dropped comp/collision once it hit 200k miles. Then someone sideswipe...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Yeah, “permissive use” is one of those things that sounds simple until you actually need it. - that’s exactly how it feels sometimes. I had a similar scare when I let my cousin borrow my ‘67 Mustang for a weekend. The t...
RE: How I managed to stack discounts for military student drivers
Stacking discounts really does feel like a game sometimes, and not always a fun one. I get what you mean about the paperwork shuffle - been there myself, especially with classic car insurance. It’s wild how every company...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
Honestly, I wondered the same thing for ages. I had a couple minor accidents in my 20s (one was literally a squirrel situation - don’t ask), and it felt like that “high risk” tag was glued to my file. But after about fiv...
RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action
That’s been my experience too. They’ll tell you there’s a process, but it feels like they just hand you whatever keys are closest. Last time I had to use uninsured motorist coverage, I ended up with a minivan - never own...
RE: Roadside help added to my insurance - totally worth it?
Yeah, that “backup adult” line cracked me up too. I’ve had roadside through my insurance for years, but honestly, the fine print is where they get you. Mine only covers towing up to 10 miles, which is basically useless i...
RE: Which is better for SR-22 in ND: local agents or online companies?
Title: Which is better for SR-22 in ND: local agents or online companies? Had a similar situation when I had to get SR-22 for my ‘72 Chevelle. Tried the online route first, thinking it’d be quick and painless, but the p...
RE: Someone smashed my parked car - deal with insurance or call the cops?
Yeah, totally get where you’re coming from. I’ve seen insurance try to lowball folks just because they didn’t have enough pics or paperwork. It’s a pain, but covering every angle really does save headaches later. Classic...
RE: stuck between Geico and Progressive in NY, thoughts?
OEM parts are a unicorn, honestly. Had a minor fender bender with my ‘87 Monte Carlo and the adjuster acted like I was asking for gold-plated bumpers. Ended up settling for aftermarket, which still bugs me. NY rates are ...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, I've noticed AAA response times slipping too. Had a flat tire last summer near Monterey - waited forever. Wonder if they're outsourcing more calls now or something... Manufacturer assistance sounds interesting thou...
RE: Finally figured out how car insurance works in no-fault states
Totally agree, dashcams are worth it. Even if you're careful, there's always someone texting or zoning out. Plus, older cars like mine don't exactly have modern safety features, so a little extra proof never hurts...
RE: Insurance tips for my vintage ride needed
I've wondered the same thing. My '68 Mustang isn't exactly gentle when it comes to braking or accelerating - sometimes it feels like I'm wrestling it more than driving. Makes me curious if these apps are sophisticated en...
RE: HOW I CUT DOWN MY CAR INSURANCE BILL USING VETERAN DISCOUNTS
True, but I had a weird experience once - my tracker flagged me for "hard braking" when I stopped suddenly to avoid hitting a deer. Agent cleared it up, but still made me wonder how accurate these things really are...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Had a similar experience with my classic Mustang. Went with a smaller insurer thinking I'd regret it later, but they actually knew their stuff - especially when it came to sourcing original parts. Bigger companies someti...