Car insurance discussions and local services.
rparker53
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Topics and replies this member has contributed.
RE: What happens if you only carry the bare minimum car insurance in Florida?
- Been there, done that - carrying just the minimum in Florida is a gamble, especially if you’ve got tickets or accidents on your record (like me). - The state only requires PIP and property damage liability. That mean...
RE: Why Is PIP Mandatory In Some States But Not Others?
Honestly, I get why people want PIP to be standard, but making it mandatory everywhere isn’t always the answer. Here’s the thing: - Some folks (like me) already pay sky-high rates because of tickets or accidents. Forcin...
RE: Insurance paid way less than what it cost me to replace my roof
- Totally get where you’re coming from. That “actual cash value” vs. “replacement cost” thing is a sneaky one - caught me off guard too when I had to replace my windshield last year. - It’s wild how fast depreciation h...
RE: Deductibles and premiums - what's the real deal?
I get where you’re coming from. I’ve had a couple of at-fault accidents in the last five years, so my premiums are already high. Here’s how I look at it: - Higher deductible = lower premium, but if you’re like me and ha...
RE: saving cash on insurance when you're young and broke
Bundling’s supposed to be this magic fix, but half the time it’s just smoke and mirrors. I’ve had “deals” that looked good until they tacked on a “processing fee” or some weird surcharge. You’re not alone there. - Pay-p...
RE: Just saved a chunk of cash on car insurance after defensive driving course
Honestly, those trackers can be a pain. I’ve racked up so many “hard braking” alerts just trying to avoid delivery bikes and jaywalkers - sometimes you gotta hit the brakes, or you’re the one getting dinged for a fender ...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
- Been there - Delaware insurance can be rough, especially with a couple of tickets on your record. - Noticed some companies (like GEICO) offer glass coverage as an add-on, but it’s rarely standard. - Shop around for...
RE: Which is better for SR-22 in ND: local agents or online companies?
- Online’s definitely quicker, but I actually had a local agent catch a mistake in my paperwork that would’ve delayed my SR-22. - Comparing prices online is great, but sometimes you miss out on discounts only agents kn...