Car insurance discussions and local services.
raydavis765
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Topics and replies this member has contributed.
RE: Classic car insurance and the annual mileage cap - worth it?
Mileage caps are where it all falls apart for me. I had a ‘78 Trans Am on classic insurance a few years back and, man, keeping under that limit was a nightmare. I told myself I’d only take it out for “special occasions,”...
RE: Finding decent car insurance deals on the islands - my step-by-step
Man, you nailed it. I swear, dealing with insurance is like a part-time job sometimes. I’ve had reps straight-up contradict each other on the same claim - one says “no problem,” next call it’s “we don’t cover that.” I st...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Yeah, I’ve had that “wait, am I covered right now or not?” moment more than once. One time I got sideswiped during that weird limbo before a ride - insurance just pointed fingers at each other. It’s a headache. Feels lik...
RE: Finding decent car insurance in Delaware without losing your mind
Man, I feel this. I’ve had to google “SR-22” so many times it’s embarrassing. Honestly, I’d rather fumble through an app than get grilled by some agent about my driving record. You’re not alone - insurance lingo is a nig...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Honestly, I think these trackers are more trouble than they’re worth. I got dinged for “aggressive acceleration” merging onto the highway - like, what am I supposed to do, crawl? I tried calling too, but they just read o...
RE: is accident forgiveness really worth it in Ohio?
Wish I could say that was me. I’ve had two “oops” moments in the last five years - one was a deer, the other was my fault (don’t ask, let’s just say coffee and roundabouts don’t mix). After the second one, my rates jumpe...
RE: How do they actually decide when a car is “totaled”?
Yeah, insurance math is wild. Had my old Impreza “totaled” after a fender bender - barely a scratch, but the adjuster said repairs cost more than the car’s value. Didn’t make sense to me, but apparently they just look at...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I’ve been burned by this before. Had a buddy borrow my car for a “quick run” and he sideswiped a mailbox. Insurance covered it, but they jacked up my rates after, and the whole process was a headache. They kept asking if...
RE: Classic car insurance and the annual mileage cap - worth it?
I get what you’re saying about the odometer pic - quick and dirty, but it works. I’ll admit, I’ve blown past my mileage cap more than once. Nice weather hits, you wanna take the car out, next thing you know you’re 500 mi...
RE: Confused about Illinois car insurance rules - anyone else?
Yeah, I hear you. Last year, after my third fender bender, I found out my “comprehensive” policy only covered a rental if I was willing to squeeze into a subcompact. I’m 6’3” - that wasn’t happening. It’s like they bury ...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, I get what you mean. Last time I called, the guy on the line kept reading from a script and didn’t seem to know the difference between a flat tire and a dead battery. I remember when you’d get someone who’d actuall...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
Couldn’t agree more. I’ve had a couple tickets and a fender bender, so my rates are already through the roof. Tried to get one of those “special” military deals (my brother’s in the Navy), but it barely made a dent. Hone...
RE: Would your insurance hold up if your EV battery suddenly failed?
Had my battery start throwing weird errors last winter - dealer wanted to run $3000 worth of “diagnostics” before even talking about warranty. Insurance just shrugged. I drive a lot, so I’m not exactly gentle on the thin...