Car insurance discussions and local services.
rayh20
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
Right? It’s like, you think you’re outsmarting the system until life throws a curveball (or a runaway cart). I did the math once and realized I’d have to go years without a claim for the higher deductible to actually pay...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
Yeah, learned that the hard way - our deductible was way higher than I thought after my kid’s fender bender. Bundling saved us a bit, but man, those rates still sting. Hawaii insurance is no joke...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Title: Houston Rates Make Me Miss Austin Prices Man, I hear you on the renewal dread. I moved to Houston from Austin about three years ago, and my insurance basically doubled overnight. At first, I thought maybe I’d jus...
RE: What happens if your rideshare app is between trips and you get into an accident?
Man, I had no clue about that gap either until a buddy of mine got sideswiped while just sitting in a parking lot with his app on. His regular insurance bailed too, and he was stuck with a massive deductible from the rid...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I’ve wrestled with this every time I rent a car, especially in places like Montana where the roads can get wild. Last year, I skipped the insurance too, figuring my regular policy and credit card would cover me...
RE: Finding decent car insurance in Delaware without losing your mind
I get where you’re coming from, but I’m not totally sold on rental reimbursement being a must-have. I skipped it for years and just used my old beater as backup when my main car was in the shop. Yeah, it’s inconvenient, ...
RE: Confused about insurance rules in South Dakota - help me figure this out
Honestly, I’m with you on the “extras” sometimes being worth it - especially out here where wildlife seems to have a death wish around cars. I used to think comprehensive was just another way for them to squeeze more mon...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I totally get where you’re coming from - this stuff can make your head spin. I’ve been in the same boat, running the numbers and then second-guessing every scenario. The whole “emergency fund” thing is tricky because the...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Yeah, that's always the tough part. I've been with State Farm for a while, and honestly, they're fine - nothing amazing, but decent enough. But lately, with prices creeping up, I'm starting to wonder if that "comfort" is...
RE: Insurance tips for my vintage ride needed
I get where you're coming from, but honestly, sometimes the pros charge way more than it's worth. I've done a bunch of electrical stuff myself - just gotta take your time, watch a few tutorials, and double-check everythi...
RE: stuck between Geico and Progressive in NY, thoughts?
Had Geico for a while, switched to Progressive last year cuz they gave me a better deal at renewal. Honestly, claims-wise they're both decent - had a minor fender bender with Progressive and it was pretty painless. But y...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Yeah, smaller insurers can be a hidden gem sometimes. I was pretty skeptical at first - figured they'd skimp on coverage or customer service - but honestly, my experience has been surprisingly good. Big companies always ...
RE: insurance denied my claim - what would you do?
Yeah, I get where you're coming from. I'd probably hold off on mentioning regulators too early myself - feels like it could backfire if they dig their heels in. But honestly, sometimes just casually dropping that you're ...
RE: What Happens if You're Labeled a Risky Driver by Insurance Companies?
I get your point, but honestly, insurers aren't always that rigid. My sister had a similar scrape, and after shopping around and switching companies, she actually ended up paying less than before. Sometimes it's worth ch...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Yeah, I totally get your point about unpredictability. I've always been skeptical about paying extra for PIP too - felt like throwing money away each month. But a buddy of mine had a similar experience; he got sideswiped...