Car insurance discussions and local services.
natee76
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
Raising the deductible is one of those things I keep circling back to. I get tempted by the lower monthly bill, but then I imagine getting into a fender-bender and suddenly having to cough up $1000 or more out of pocket....
RE: Why did my GEICO premium jump so much this year?
I get what you’re saying about tweaking your policy - raising the deductible and cutting extras can definitely shave off some cost. But I’ve always been a little wary of dropping coverage just to save a few bucks. A frie...
RE: Do you really need extra insurance for a rental in Montana?
I’ve had to go through the process once, but not in Montana - was in Colorado, though, so similar rural vibes. The rental company’s insurance did make things smoother for me. No arguing with my own insurer, no rate hikes...
RE: Do you really need extra insurance for a rental in Montana?
Extra insurance always feels like a racket until you’re the one with a deer-shaped dent in the hood, right? I’ve dug through the fine print before and yeah, a lot of those policies exclude anything that happens off paved...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, I get what you mean about the confusion. I’ve run into that too, especially at places where the rules seem to change depending on who’s behind the counter. One time I tried to use my rewards points and a coupon for...
RE: Why California’s minimum car insurance might not be enough
Honestly, I get where you’re coming from. I used to think the same - if I’m hardly on the road, why pay more? But then my neighbor got rear-ended, barely drove herself, and still ended up with bills way over the minimum ...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Getting Lost in the Maze of Uber and Lyft Insurance Rules That “gap” period is honestly one of the most confusing things I’ve run into with car insurance. I remember when I first started looking into driving for Lyft ...
RE: Do you really need extra insurance for a rental in Montana?
I’ve always wondered about the fine print with credit card coverage - like, do they actually pay out without a fight? I had a friend who thought he was covered, but his card excluded “off-road” damage, and the rental com...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Yeah, Kansas insurance is wild. I’ve taken a couple of those “safe driver” classes and honestly, the discount was barely enough to cover a decent lunch - definitely more myth than money in my case. The loyalty thing is a...
RE: Confused about insurance rules in South Dakota - help me figure this out
I hear you on the nerves about digital copies. I’ve wondered the same thing, honestly. Here’s how I’ve handled it after a couple decades of driving around these parts - maybe it’ll help. Step one: I always keep the pape...
RE: stuck between Geico and Progressive in NY, thoughts?
Funny you mention that - last time I had a bumper replaced, the “industry standard” paint match was just off enough to bug me every time I walked past it. Here’s what I ended up doing: first, I checked both Geico and Pro...
RE: is accident forgiveness really worth it in Ohio?
I hear you on the “depends how risk-averse you are” angle. I’ve been driving in Ohio for decades, and honestly, I’ve always gone back and forth on this one. Here’s how I look at it: Step 1 - figure out how much extra y...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Had a similar thing happen when I was trying to insure my '69 Mustang. Here's what worked for me: first, gather detailed pics of the interior and any original paperwork you have. Then, clearly explain why those factory d...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
I've been driving for years and honestly, smaller insurers can be a hidden gem. Here's what I'd do: first, call a couple local places and ask specific questions about coverage scenarios. See how patient they are with you...
RE: Ever had to deal with car insurance claims in SD? Quick poll
Yeah, portable chargers are handy, but I've also found that keeping a physical map tucked away somewhere can be a lifesaver. GPS is great until your phone dies or loses signal...ever tried navigating rural SD roads at ni...