Car insurance discussions and local services.
nickjohnson832
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Topics and replies this member has contributed.
RE: Do you really need extra insurance for a rental in Montana?
- Totally get where you're coming from. - I’ve had my share of “close calls” with deer and even a bear once (don’t ask). - My driving record isn’t spotless, so I never risk it - extra insurance is just less stress. ...
RE: Finding decent car insurance deals on the islands - my step-by-step
- Couldn’t have put it better. I had the telematics app ding me for “sharp cornering” when I swerved to avoid a stray goat last month. Not sure what they want - drive straight through and claim the goat or get penalized ...
RE: Classic car insurance and the annual mileage cap - worth it?
- Been there - got flagged once when my odometer was way over what I estimated. They didn’t deny my claim, just bumped my premium a bit. - I’m not great at tracking. I usually just check the dash and guess... probably no...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Yeah, I totally get where you’re coming from. I’ve been hit with those higher rates myself, and honestly, it can feel like you’re being punished for stuff you can’t control. Here’s what I’ve noticed: - Even if you’re a ...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
- Totally get it - been there, done that. - Keeping both digital and paper feels like overkill, but it’s saved me too, especially with officers who seem stuck in the past. - Honestly, I wish there was a single, foolp...
RE: Finding decent car insurance in Delaware without losing your mind
Totally get the spreadsheet headache - been there, done that. I’ve had a couple tickets, so I can’t really risk the bare minimum, but I still try not to overthink every detail. Ever had a claim actually pay out the way y...
RE: What happens if you only carry the bare minimum car insurance in Florida?
Been there, done that with minimum coverage in Florida. Here’s my two cents from living on the edge a bit too long: - Had the state minimum for a couple years because my rates were already through the roof after a coupl...
RE: What happens if you only carry the bare minimum car insurance in Florida?
- Been there, done that... drove with just the minimum for years because my record’s not exactly spotless and rates are brutal. - Got into a minor accident last year - my fault. The minimum didn’t even come close to cove...
RE: Finding decent car insurance in Delaware without losing your mind
Yeah, I’ve run into that confusion too - especially after my last fender bender. Here’s what tripped me up: - Thought “comprehensive” meant everything was covered. Turns out, nope... my deer incident was covered, but wh...
RE: USAA vs State Farm: which claims process is less of a headache?
Happened to me with State Farm, actually. I tried to file everything through their app after a fender bender, but the app kept freezing and wouldn’t let me upload all my photos. Ended up calling in because I was worried ...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, I’ve been there - had a minor scrape during that “Period 1” window and my regular insurance just shrugged. Here’s what I’ve learned: - That extra rideshare coverage isn’t just fluff. It actually kicked in for me w...
RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action
- Totally get where you’re coming from, but I’d think twice. - It’s not just about the car’s value - what if you get hurt? Medical bills can be way more brutal than fixing an old ride. - I used to skip extras too, un...
RE: Little-known trick with Progressive’s roadside help
- 100% with you on the ramps. I used to think tossing a couple 2x6s in the trunk was overkill, but after one tow driver nearly ripped my lip off, I learned my lesson. - Insurance roadside help is great in theory, but yea...
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.
Yeah, “full coverage” really tripped me up the first time I shopped for insurance. Here’s what I’ve learned (the hard way): - “Full coverage” usually just means you’ve got liability + collision + comprehensive, but even...
RE: DOES YOUR RIDE NEED EXTRA PROTECTION AT CAR SHOWS?
Yeah, I hear you on that. - I’ve definitely gone overboard with security gadgets before - almost felt like my car was screaming “look at me, I’m worth stealing.” Not sure it helped much. - Honestly, just keeping valuab...