Car insurance discussions and local services.
patriciat54
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RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
That hits home. Had a Shelter agent once who flagged a bunch of “potential issues” with my roof after a hailstorm. Felt like they were looking for reasons to tweak my policy, not help me out. State Farm’s slower pace ann...
RE: Why did my GEICO premium jump so much this year?
Had the same thing happen last spring. My premium jumped almost $300, and when I called to ask why, they gave me the “area risk” spiel too. Thing is, I live in a pretty sleepy suburb - hardly any accidents or crime. Felt...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
Yeah, I hear you on the low mileage deal. I was in the same boat last year - my truck basically hibernates from November to March unless there’s an emergency or a Costco run. My insurer knocked off maybe $80 for the year...
RE: Finding decent car insurance in Delaware without losing your mind
Switched from a local to a national company after a mess with a deer on Route 13. The national folks had a slick app for uploading photos, but I swear it took longer to get someone on the phone who actually knew where my...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
I’ve actually seen this play out at my last job. There was a guy who messed up a big order - cost the company a few grand - but he owned it, apologized, and weirdly enough, people moved on pretty fast. But then there was...
RE: Finding decent car insurance in Delaware without losing your mind
Title: Finding decent car insurance in Delaware without losing your mind Man, I hear you on the trade-off. Last year, after a road trip down Route 9, my old Subaru picked up a nice new dent courtesy of a rogue shopping ...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I hear you on the gamble part. I’ve been down that road with my old Jeep - spent a small fortune on custom work, and when it got sideswiped, the insurance barely acknowledged half of what I’d put in. Even with all my pap...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get where you’re coming from, but I’m not totally sold on the idea that adding everyone to your policy is always worth it, at least not for short-term stuff. Maybe I’ve just been lucky, but I’ve let friends borrow my O...
RE: is accident forgiveness really worth it in Ohio?
I get where you’re coming from - my daily is an old Accord that’s seen more than its fair share of Midwest winters and highway miles. I’ve always wondered if accident forgiveness is just another way for companies to sque...
RE: Little-known trick with Progressive’s roadside help
Totally get that. My A4 once locked itself mid-jump, keys inside, and I just stood there feeling like the car was trolling me. I’d take a waiver over a tow any day, too. Sometimes you just gotta gamble a little, right?
RE: stuck between Geico and Progressive in NY, thoughts?
I’ve had Geico roadside come out near Albany after a flat, and it was… fine, but not quick. Took about 90 minutes, which felt like forever in the rain. My friend up in the Catskills waited even longer with Progressive, s...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, that “probably” is doing a lot of heavy lifting for some folks. I had a buddy who thought he was covered until he actually called his insurer to double-check. Turns out, his policy got flagged just for asking about...
RE: quick heads-up on Arkansas auto insurance basics
Rental coverage is definitely one of those things you don’t think about until you’re stuck in a tiny sedan with your knees in your chest. But honestly, I’ve always wondered if paying extra for “comparable” rental coverag...
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.
Honestly, I get the frustration, but I kinda think some of the responsibility falls on us too. I used to just trust whatever the agent told me, but after a buddy’s RV got wrecked and insurance didn’t pay out (turns out “...