Car insurance discussions and local services.
philosophy643
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RE: WHY DOES PAYING MONTHLY COST MORE THAN PAYING ANNUALLY?
Honestly, I’ve run the numbers a couple times out of sheer frustration. My insurance wanted almost 10% more to pay monthly instead of all at once. That’s not just “interest” - it’s like a penalty for not having a fat sta...
RE: Would you risk a higher deductible to lower your insurance bill?
Honestly, I get that. I used to think upping my deductible was a smart move, but after getting rear-ended twice in one year (neither my fault), it stung hard paying out of pocket before insurance kicked in. The savings o...
RE: Car insurance in Wyoming: who actually treats you right?
Honestly, I’ve racked up more dings and scrapes than I care to admit - Wyoming winters just chew up cars. My last insurer basically treated me like a criminal every time I called. Local agent now, and yeah, it’s pricier,...
RE: Why can’t I use my points AND a coupon at checkout?
It’s wild how complicated they make this stuff. I’ve been in line, holding up a bunch of people behind me, trying to use my points and a coupon at the same time. The cashier just shrugged and said, “Sometimes it works, s...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
You’re not wrong about that. I got rear-ended while waiting for a ping - wasn’t even moving yet - and the insurance folks acted like I was trying to scam them or something. Took months to sort out, and my car wasn’t anyt...
RE: Would you risk a higher deductible to lower your insurance bill?
Honestly, I get where you’re coming from, but for me, the savings are worth it. I’ve had my share of tickets and a couple of accidents - my rates are already sky-high. I’d rather gamble on a higher deductible and keep my...
RE: How do they actually decide when a car is “totaled”?
Man, you nailed it. I had a similar thing - put in a new battery and brakes a month before my last fender bender. Adjuster basically shrugged and said, “That’s just maintenance.” Like, cool, thanks for nothing. I’ve stop...
RE: Finding decent car insurance in Delaware without losing your mind
I hear you on the aftermarket parts. My last car - a beat-up Altima - got a replacement fender that was definitely not OEM, and honestly, I couldn’t tell the difference unless I squinted. Insurance barely covered anythin...
RE: stuck between Geico and Progressive in NY, thoughts?
Yeah, Geico’s 15-mile thing is brutal. I had my car towed once and the driver literally stopped at 15 miles and said, “That’s it, buddy.” Had to pay cash on the spot for the rest. Progressive wasn’t any better for me eit...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Title: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE? You’re not wrong - life does have a way of eating up those “just in case” funds. I tried that whole “set aside what you save on premiums” thing afte...
RE: Roadside help added to my insurance - totally worth it?
I’ve had insurance roadside for years, mostly because it’s cheap to add on. But honestly? When I got stuck in a sketchy part of town after a fender bender, they took forever - like, “watching the sun set” kind of forever...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Yeah, that’s exactly it. I once left my old Camaro at a “secure” storage spot and came back to find a busted taillight - nobody took responsibility. At least at home, if something happens, I know who to blame. The city p...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Yeah, that's solid advice, but honestly, as someone who's had more than my fair share of speeding tickets (and one unfortunate mailbox incident - don't ask), I'd say there's more to it than just numbers. I was with State...
RE: how bad would insurance spike after a DUI in Idaho?
Had a buddy who went through the same thing, and honestly, the savings weren't as impressive as he expected. Sure, it knocked a bit off his premium, but after installation fees and monthly charges, he barely broke even. ...
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.
Had a similar situation but mine went differently. Couple years ago, I hydroplaned into a guardrail during a nasty storm - totally my fault, no excuses. Figured insurance would laugh me off, but comprehensive actually co...