Car insurance discussions and local services.
photo52
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RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
Letting Friends Borrow Your Car in NY - What Insurance Actually Covers? Totally agree with this, but I’ll admit, it’s a different ballgame when you’re talking about something like a Porsche or a Benz. Here’s what I’ve...
RE: Would you risk a higher deductible to lower your insurance bill?
- Totally get what you mean about the stress of a big deductible. I went with a $1,000 one for my 7 Series and still flinch at the idea of shelling that out if something happens. - The “approved shop” thing is a pain. On...
RE: Do you really need extra insurance for a rental in Montana?
- Been there with the “tiny scratch, huge bill” situation - my wallet still remembers. - With luxury cars, rental companies seem to have a magnifying glass for every mark. Not kidding, I once got flagged for a scuff that...
RE: How did you feel after your first accident and dealing with insurance?
Title: How did you feel after your first accident and dealing with insurance? - That “we need more information” email is the worst. I swear, it’s like they wait until you’ve finally relaxed a bit before hitting you with...
RE: Getting caught without car insurance in Iowa is no joke
I’ve got a couple policies (and cars) in Iowa, and yeah, most insurers have stopped mailing paper cards unless you ask. My last two renewals were just PDFs in my inbox. I always print one out anyway - just in case. Had a...
RE: What happens if your rideshare app is between trips and you get into an accident?
- Been there, actually - had a minor fender bender while waiting for a ping in my S-Class. - My personal insurance covered it, but the deductible was a bit of a sting. - You’re right, the risk isn’t always as dramati...
RE: Why does picking a deductible feel like a weird gamble?
Why does picking a deductible feel like a weird gamble? Totally get where you’re coming from - it really does feel like a coin toss sometimes. Here’s what I’ve learned after a few years (and, yeah, some expensive repair...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Why Does Insurance Cost More In Houston Than Austin Or Dallas? Yeah, this hits the nail on the head. I’ve had a similar experience - my rates dropped a bit when I started garaging my car, but honestly, it’s not like i...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
- Tried one of those tracking device programs last year (with my E-Class). Honestly, the initial discount was real - dropped around 15% off my premium after six months of “good driving” data. - The catch: they dinged me ...
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.
That’s actually a genius move. I learned the hard way too - my last car got a nasty door ding in a valet lot, and turns out “comprehensive” didn’t cover it because it wasn’t theft or weather-related. Here’s what I do now...
RE: Someone smashed my parked car - deal with insurance or call the cops?
Title: Someone Smashed My Parked Car - Deal With Insurance or Call the Cops? - Been there, done that (unfortunately). My last car was rear-ended while parked, and I thought photos would be enough. Spoiler: insurance w...
RE: Would your insurance hold up if your EV battery suddenly failed?
Honestly, I get the urge to keep every scrap of paperwork, but I’ve had mixed results with that approach. I mean, you said: I used to do the same - had a whole folder on my phone with charging stats, receipts, the wor...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
Story of my life with these cars. A few thoughts: - Had a “pleasure use” debate over my weekend car - one rep said grocery runs were fine, another acted like I’d committed insurance fraud if I took it for coffee. - Keep...
RE: stuck between Geico and Progressive in NY, thoughts?
Can confirm this... had Geico briefly when I first bought my Audi and their rates were tempting, but the one time I needed them (minor fender-bender downtown), it was a bit of a headache. Progressive's been smoother over...
RE: little-known ways to snag cheaper insurance in Alaska
Great point about mileage discounts - I noticed a nice drop in my premiums too after I started working from home more. Couple other things I've found helpful: - **Bundling policies:** I combined my home and auto insuran...