Car insurance discussions and local services.
reader53
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RE: Car insurance in Wyoming: who actually treats you right?
Title: Car insurance in Wyoming: who actually treats you right? That’s exactly what I keep coming back to. I’ve been driving in Wyoming for almost 30 years now, and I’ve tried both the big national outfits and the sma...
RE: Why can’t I use my points AND a coupon at checkout?
I’ve actually managed to stack points and a coupon once, but it felt like I’d cracked some secret code. It was during a tire sale last year - had a $25 coupon and about $40 in rewards points. The cashier looked surprised...
RE: Why can’t I use my points AND a coupon at checkout?
Title: Why can’t I use my points AND a coupon at checkout? I’ve run into this exact thing more times than I care to count. There was one time at my local spot where the cashier said, “Sorry, you can’t use both,” but t...
RE: Do you really need extra insurance for a rental in Montana?
Yeah, the “not regularly maintained” clause can really bite you. I learned that the hard way in Wyoming - thought my card had me covered, but nope, gravel road = denied claim. It’s wild how many backroads aren’t consider...
RE: Classic car insurance and the annual mileage cap - worth it?
I hear you on the anxiety part - spent a couple seasons with a spreadsheet tracking every outing, and it sucked the joy right out of it. These days, I just jot down the mileage at oil changes and call it good enough. The...
RE: Getting that student discount on car insurance… not as easy as I thought
Yeah, I ran into something similar last year. They wanted “official” but didn’t specify if digital was fine, so I ended up mailing a paper copy just to be safe. Kind of a pain. Did they mention if screenshots from a stud...
RE: Confused about insurance rules in South Dakota - help me figure this out
That’s true, but honestly, I’ve gone all-digital for a couple years now and haven’t had any issues in SD. Maybe I’m tempting fate, but every time I’ve been pulled over (twice in the last year - speed trap near Pierre, an...
RE: Little-known trick with Progressive’s roadside help
I learned that lesson the hard way with my old Miata. Had a custom exhaust and slightly lowered springs - nothing wild, but enough to trip up a standard flatbed driver. The first tow, I didn’t mention anything, and the g...
RE: is accident forgiveness really worth it in Ohio?
I get what you’re saying about the numbers not always working out, but in my experience, it’s usually the “one mistake” that stings the most. Had a buddy who’d been driving for years without a scratch, then he rear-ended...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Back when I was rebuilding my old Datsun, it sat on jack stands for months while I hunted down parts. Technically, it wasn’t drivable, but I was working on it every weekend. If someone had called that “abandoned,” I’d ha...
RE: Someone smashed my parked car - deal with insurance or call the cops?
That’s been my experience too, though I’ve had it go both ways. Years ago, someone sideswiped my old Accord while it was parked, and I didn’t notice until the next morning. I called my insurer right away, but they still ...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Couldn't agree more. A few years back, I had a minor accident - nothing dramatic, just a fender-bender at an intersection. At first glance, it seemed like no big deal. But later that evening, my neck started feeling stif...
RE: keeping your vintage ride running smooth on long trips
Great points, especially about the thermostat. A stuck thermostat stranded me once in my old Chevy - middle of nowhere, of course. Learned the hard way to always pack a spare. I'd also suggest carrying a basic tool kit a...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
That's interesting about rural Farm Bureau offices - I hadn't thought of that angle before. Reminds me of when I switched from a big-city agency to a smaller local one. At the bigger place, I felt like just another numbe...
RE: HOW I CUT DOWN MY CAR INSURANCE BILL USING VETERAN DISCOUNTS
It really does...when I first got my car, I spent hours comparing rates and still felt like I was missing something. Funny enough, it wasn't until I casually mentioned my job during a random chat with my agent that she b...