Car insurance discussions and local services.
ryanc59
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Topics and replies this member has contributed.
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Letting friends drive your car in MN: better to add them or rely on permissive use? Totally hear you on the “treating it like a rental” thing. I’ve had folks leave wrappers and mess with my mirrors, which drives me nuts...
RE: Why did my GEICO premium jump so much this year?
I hear you, but I’m not totally convinced it’s always just a “statewide thing” or something out of their control. Here’s what I do: first, pull up last year’s policy and compare it line by line with the new one. Look for...
RE: What happens if your rideshare app is between trips and you get into an accident?
I keep seeing folks get caught off guard by that “app on but no passenger” loophole. Like you said - - and I think a lot of people just assume their regular auto policy will handle it. That’s not really the case, at lea...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
I hear you on the wallet cards - those are way less annoying than digging around for a crumpled sheet of paper. I’ll admit, I’m a bit old school and still keep a copy in the glove box, but I’ve also got a photo of it on ...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Honestly, I get where you’re coming from about trust being hard to rebuild, but I’m not totally convinced it’s always worse than legal fallout. Here’s how I see it - step by step, like fixing up an old Mustang after a fe...
RE: Why did my GEICO premium jump so much this year?
I hear you. I used to think sticking with the same company was the safest bet, but after my classic’s premium shot up for no reason, I started shopping around. Here’s what worked for me: call your agent, mention you’re c...
RE: Finding decent car insurance in Delaware without losing your mind
Can’t argue with you on the loyalty discounts - those are usually a joke. I’ve had better luck just calling around every year, even if it’s a hassle. One thing I’d add: if you’ve got an older car (especially something yo...
RE: Classic car insurance and the annual mileage cap - worth it?
I’ve wondered the same thing, especially when you factor in how strict some of these companies are about mileage. I mean, if you’re only allowed to drive a few hundred miles a year, what’s the point of owning something f...
RE: When Does It Make Sense to Drop the “All-In” Coverage?
Honestly, I’m not totally sold on dropping full coverage just because the car’s older. Had a buddy with a ‘98 Mustang that got rear-ended - insurance payout saved his hide. Sometimes those “what ifs” do happen, especiall...
RE: Classic car insurance and the annual mileage cap - worth it?
Mileage caps are one of those things that sound great on paper, but in practice? They can be a real pain. I get the appeal - cheaper premiums if you’re not driving much - but like you said, it’s easy to lose track. I’ve ...
RE: Classic car insurance and the annual mileage cap - worth it?
I get where you’re coming from, but honestly, the mileage cap still makes me a bit uneasy. I tried the capped policy once with my E-Type, thinking I’d never get close. But then a couple of last-minute drives, an unexpect...
RE: DOES YOUR RIDE NEED EXTRA PROTECTION AT CAR SHOWS?
I get where you’re coming from about the minivans - honestly, I used to think my old ‘68 Dart was the only thing folks would bother with at shows. Turns out, even the “boring” cars aren’t immune. A few years back, I had ...
RE: Are those price-checker sites actually reliable?
I get the caution, but honestly, I think those price-checker sites have their place - especially if you’re eyeballing something rare or older. Insurance quotes can be all over the map, sure, but a lot of those sites pull...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Raising the deductible is about the only thing that’s worked for me, too, but it always feels like rolling dice, especially with older cars. I tried bundling once - barely made a dent, and the coverage wasn’t as good. Th...
RE: Someone smashed my parked car - deal with insurance or call the cops?
Yeah, insurance can be a real mixed bag. I’ve never had a claim denied just because I did the online police report instead of in-person, but I did have an adjuster ask way too many questions about it once. In my experien...