Car insurance discussions and local services.
robert_coder
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Topics and replies this member has contributed.
RE: Getting Cheaper Car Insurance by Proving You Drive Less
I get the appeal, but I’m still a bit wary about those trackers. With older cars, especially classics, the driving “habits” they pick up can be misleading - sometimes you have to brake harder or accelerate differently ju...
RE: How did you feel after your first accident and dealing with insurance?
I hear you. Those policy documents are dense, and honestly, I’ve been at this for years and still find myself double-checking what’s actually covered. The term “comprehensive” is misleading - first time I dealt with insu...
RE: Why did my GEICO premium jump so much this year?
I’ve actually had a different experience with loyalty discounts, at least with my classic car policy. My insurer (not GEICO) knocked a chunk off after five years, but it’s definitely not the norm. I do think the “intro ...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Those trackers are a bit much, aren’t they? I tried one out of curiosity - figured maybe it’d help with the insurance bill. Turns out, my ‘72 Chevelle doesn’t appreciate being judged by a little black box every time I ta...
RE: Would you risk a higher deductible to lower your insurance bill?
I get where you’re coming from. The “high deductible gamble” always sounds good on paper, but reality tends to have other plans. I tried it once, too - figured my ‘72 Chevelle wasn’t exactly a daily driver, so how much r...
RE: What happens if your rideshare app is between trips and you get into an accident?
I’ve always wondered how much those logs and dashcams actually help when insurance companies get involved. I mean, I keep meticulous records for my old Mustang, but with rideshare, it seems like the rules are always shif...
RE: What happens if your rideshare app is between trips and you get into an accident?
That “coverage limbo” is exactly what frustrates me too. It’s wild how insurance companies can slice up your driving time into these weird categories, just to limit their liability. I’ve always thought it was odd that us...
RE: How do they actually decide when a car is “totaled”?
Back when I restored an old ‘68 Mustang, I learned the hard way that what looks like a simple fender bender can hide a world of problems. The frame was ever so slightly bent - barely noticeable unless you measured everyt...
RE: Getting that student discount on car insurance… not as easy as I thought
Honestly, I’ve had similar issues - last time I renewed my policy, they wanted an official transcript, not just a student ID. Kind of surprised me, since the ID’s got my photo and the school logo. Maybe they’re worried a...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Couldn’t agree more about the “full coverage” illusion - there’s always a catch. I’ve had a few close calls with my ‘72 Chevelle, and even though it’s not a daily driver, I’m extra cautious about who’s listed. Permissive...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
You nailed it with the “allergic” comment - insurers really do seem to get jumpy about anything with a little age on it. I’ve run into the same wall trying to keep my ‘92 F-150 on the road for business use. The irony is,...
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 “full coverage” label really is misleading. I’ve run into similar issues with my old Mustang - thought I was covered for everything, but when a tree limb fell during a storm, turns out my policy only handled collisi...
RE: Finally figured out my state's minimum car insurance rules and saved some cash
Had a similar experience a while back with my old Mustang. Thought I'd save some cash by going with the bare minimum coverage, and of course, that's when someone rear-ended me at a stoplight. Thankfully, damage wasn't to...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Interesting to hear your experience. I've always been a bit skeptical about these online courses actually making a difference, especially after just one minor incident. But your post makes me reconsider... maybe there's ...
RE: anyone else feel like AAA insurance isn't what it used to be?
Had a somewhat similar issue myself recently. Was out for a weekend drive in my '67 Mustang - nothing too adventurous, just cruising some rural backroads - and ended up with a flat tire. Called AAA, and the dispatcher ke...