Car insurance discussions and local services.
patricias20
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RE: Occasional trailer trips and a Maine auto quote
For occasional personal-use towing, ask whether the quote covers that trailer use or requires a separate endorsement, and whether the answer depends on the trailer’s type or weight. A quote for ordinary personal driving ...
RE: How bad does a DUI mess up car insurance in Michigan?
Yeah, it’s a rough ride after a DUI in Michigan. My cousin went through it last year and his premium nearly doubled overnight. He tried shopping around too, but like you said, the numbers were all over the map. Defensive...
RE: How is ACV not just a fancy way to pay us less?
I’ve always wondered if it depends on the adjuster you get, honestly. Some seem way more willing to listen than others. Has anyone actually pushed back and gotten their ACV bumped up? I keep thinking about trying it if i...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
I hear you on the hassle. We tried the low-mileage thing last year, since we mostly just do school runs and groceries, and honestly, the discount was... meh. It barely covered a couple of tanks of gas. I kept forgetting ...
RE: Car insurance in Wyoming: who actually treats you right?
Totally get what you mean about the weather and wildlife - had a deer run-in last year, and the agent actually explained everything in normal words, which was a relief. Have you noticed if some companies are better about...
RE: Would you risk a higher deductible to lower your insurance bill?
Yeah, I hear you. We bumped our deductible up a while back thinking we’d save a bunch, but then my kid managed to back into a mailbox (don’t ask). Suddenly that “savings” didn’t feel so great. Honestly, peace of mind is ...
RE: What happens if you only carry the bare minimum car insurance in Florida?
Yeah, I hear you. We’ve got two kids, so I always worry about what happens if someone else gets hurt and our coverage isn’t enough. Has anyone actually had to use their insurance for a bigger accident? Did the minimum cu...
RE: USAA vs State Farm: which claims process is less of a headache?
Yeah, waiting for that deposit is the worst part - especially when you’ve already shelled out for repairs. I’ve had State Farm for years and honestly, once they approve, it’s usually pretty quick, but like you said, any ...
RE: Why does insurance cost more in Houston than Austin or Dallas?
You’re not wrong about the vibe. It’s like everyone’s got somewhere to be five minutes ago, and they’re not shy about letting you know. I remember when we first moved here with the kids, my partner joked that Houston dri...
RE: Do you really need extra insurance for a rental in Montana?
I totally get where you’re coming from. We did a family road trip through Montana a couple summers ago, and I was on the fence about the extra insurance too. My regular car insurance said it covered rentals, but the fine...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Honestly, I get the urge to just snap some pics and call it a day - who has time to file every receipt, right? But man, I’ve seen my neighbor go through a nightmare with his Mustang when a tree fell on it. He thought pho...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
That’s fair, I guess it really depends on where you look and what you need. I’ve always worried I’d miss something sneaky in the fine print, though. Did you ever actually have to file a claim with the cheaper policy? Cur...
RE: Deductibles and premiums - what's the real deal?
I get your logic, but honestly, for our family car, we went the opposite route - lower deductible, slightly higher premium. With kids and daily errands, peace of mind beats savings for us. Different strokes, I guess...
RE: bumped someone's car lightly, no visible damage - should I report?
Yeah, that's a tough one. Honestly though, even without visible damage, reporting can sometimes still ding your premiums - insurance companies can be weird like that. Happened to my brother-in-law; he reported a tiny bum...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, I get what you're saying. I've had AAA for years and honestly only used roadside assistance maybe twice - once when my battery died at the grocery store (fun times...) and another when I locked my keys in the car a...