Car insurance discussions and local services.
natem937895
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Topics and replies this member has contributed.
RE: Garage work could change where a classic is kept
Even if the new spot is an enclosed garage, I’d confirm whether the policy requires notice whenever the car is kept at a different address, even temporarily. That requirement can be separate from whether the garage itsel...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Yeah, I totally get the logic behind dropping full coverage on an older car. I did the same thing with my first ride (a ‘99 Corolla that was basically held together by hope and duct tape). At first, I kept full coverage ...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Honestly, I wish I could say it’s just a matter of getting used to the paperwork and you’re good to go, but my experience has been a bit messier. I’ve been doing rideshare on the side for about a year, and maybe it’s jus...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
Bundling was the lesser evil for us too, even though the jump in price made me wince. The first time I saw the quote for a separate policy, I thought it had to be a mistake. We tried to milk every discount - good student...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Honestly, I’ve wondered the same thing about why the penalties aren’t tougher. It’s wild how you can get dinged for something minor like expired tags, but driving around uninsured is almost like a “meh, pay us when you g...
RE: is accident forgiveness really worth it in Ohio?
I’ve actually been on both sides of this. After my daughter’s first fender bender, the “forgiveness” kicked in and our rates didn’t budge. But when my son scraped a mailbox a year later, our premium shot up at renewal - ...
RE: Confused about Illinois car insurance rules - anyone else?
That “loss of use” thing tripped me up too. I remember thinking my card had me covered, but when I actually read through the benefits, it was like, “except for this, and this, and oh, that too.” I get why you stick with ...
RE: Roadside help added to my insurance - totally worth it?
Honestly, I feel you on the fine print paranoia. I swear, insurance companies must have a whole department dedicated to writing stuff in size 2 font. I did end up using my upgraded roadside plan once - locked my keys in ...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
I’m not running a business fleet, but even just insuring my own car has gotten more expensive every year. Last year, I bumped into a curb and messed up a sensor - cost more to fix than an old-school fender bender ever wo...
RE: Little-known trick with Progressive’s roadside help
That 15-mile cap really is a pain. I got stranded about 22 miles from my usual shop last winter - ended up riding shotgun in the tow truck, watching the meter tick up for every extra mile. Not exactly how I wanted to spe...
RE: Insurance tips for my vintage ride needed
I get where you’re coming from, but sometimes I wonder if all that documentation is really worth the stress, especially for stuff that’s just keeping the car roadworthy. My uncle’s had his old Volvo for years, and he’s s...
RE: bumped someone's car lightly, no visible damage - should I report?
I get the logic, but sometimes it feels like reporting every tiny bump just clogs up the system. I’ve had a couple of those “barely touched it” moments and nothing ever came of it. Maybe I’ve just been lucky, but not eve...