Car insurance discussions and local services.
pets_carol
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
I get where you’re coming from - peace of mind is hard to put a price on. But for me, I just can’t stomach paying top dollar for coverage on my old Mustang when I know I drive it maybe twice a month, and baby it every ti...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get where you’re coming from - insurance companies don’t mess around when it comes to regular drivers. I’ve always been a bit paranoid about this, especially with my old Mustang. The premiums are high enough already, a...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
That’s a fair point - trust isn’t something you can just patch up like a rusty fender. I’ve seen it firsthand in car circles. Someone gets caught rolling back an odometer or selling a “numbers-matching” engine that isn’t...
RE: anyone else feel like AAA insurance isn't what it used to be?
That’s exactly where I land too. I’ve got a couple of classic cars, and finding insurance that actually covers what matters (like OEM parts) without costing an arm and a leg is a real challenge. Had a claim with AAA for ...
RE: Classic car insurance and the annual mileage cap - worth it?
Couldn’t agree more about the savings - those classic policies are a no-brainer if you’re not racking up miles. I’ve found the annual cap pretty manageable, but I do get a little paranoid about going over, especially whe...
RE: Someone smashed my parked car - deal with insurance or call the cops?
I’ve had to go back and forth with my insurer after a hit-and-run on my old ‘72 Nova. Didn’t have a police report because the officer said it wasn’t “serious enough.” My adjuster wanted one, but after I sent in detailed ...
RE: Deductibles and premiums - what's the real deal?
I’ve always leaned toward a higher deductible to keep my premiums down, but I’ll admit it’s a bit of a gamble. For my daily driver, I set it at $1,000, figuring I could scrape that together if something went sideways. Bu...
RE: bumped someone's car lightly, no visible damage - should I report?
That’s the part that always gets me. I’ve restored a few old cars on a shoestring, and trust me, if I reported every little tap in a parking lot, I’d be broke from insurance hikes alone. If there’s no visible damage and ...
RE: anyone else feel like AAA insurance isn't what it used to be?
That’s exactly the kind of thing that gets under my skin too. With older cars, especially anything with a low ride height or delicate undercarriage, a regular tow just isn’t an option. I’ve had to stand there and explain...
RE: anyone else feel like AAA insurance isn't what it used to be?
Not sure I’d write off loyalty just yet. I get the frustration - my ‘97 sedan isn’t exactly a showpiece, and those admin fees do sting. But, in my experience, AAA’s roadside coverage has actually saved me more than the e...
RE: My insurance nightmare in Rhode Island traffic court
I've had a similar experience dealing with an out-of-state ticket, and honestly, I wish I'd just paid it upfront. The hassle of contesting it ended up costing me more in time and stress than the fine itself. Rhode Island...
RE: stuck between Geico and Progressive in NY, thoughts?
I totally get where you're coming from - insurance shopping can feel like navigating a maze blindfolded. Accident forgiveness is definitely appealing, especially in a city like NYC where minor scrapes are practically ine...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I see your logic there, and it makes sense for most daily drivers. But as someone who owns a classic car, my perspective's a bit different. With vintage vehicles, even minor repairs can quickly escalate into significant ...
RE: Are those price-checker sites actually reliable?
I've had similar experiences, especially when I'm out driving my older cars - fuel efficiency isn't exactly their strong suit, so every cent counts. I've found that relying solely on one app or site can be hit-or-miss be...
RE: Scored a Sweet Auto Insurance Deal Thanks to My Military ID
Totally agree on the gas station stops - been there myself. Funny enough, insurers can surprise you; a buddy of mine actually got reimbursed for vintage fuzzy dice after an accident. Apparently, having receipts and photo...