Car insurance discussions and local services.
sailor68
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Topics and replies this member has contributed.
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Yeah, I get where you’re coming from. I used to think liability was enough too, but after a couple tickets and a minor accident (my fault), my rates shot up and I started worrying more about getting into it with someone ...
RE: Why does insurance cost more in Houston than Austin or Dallas?
I hear you on the car covers - honestly, they’re a pain if you’re not parked at home. I’ve seen those pop-up shelters in action a couple times, but Houston wind is no joke. One neighbor’s blew halfway down the street dur...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling is one of those things I keep going back and forth on. I’ve got a not-so-great driving record (a couple tickets, one fender bender - nothing wild, but enough to make insurance companies side-eye me), so I’m alwa...
RE: Bundling insurance with USAA: worth it or just hype?
Yeah, I’ve noticed the same thing with USAA. The “member benefits” sound good, but - that’s been my experience too, even after a clean year. As someone with a couple tickets, their rates aren’t that forgiving after the ...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
Yeah, I get what you mean about the tracking. I’ve had a few rough weeks where my driving wasn’t exactly “textbook” and the app definitely noticed. It’s kind of annoying that one long trip can mess with your rates, espec...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
Honestly, I kind of get why people go for the trackers. I’ve had a couple tickets and my rates are brutal, so I actually tried one of those apps for a discount. It felt weird at first, but it did knock a chunk off my bil...
RE: Insurance paid way less than what it cost me to replace my roof
Yeah, those exclusions are wild. I had a similar thing happen with my last accident - thought I was covered for everything, but turns out my policy had some “wear and tear” clause buried in the fine print. Ended up payin...
RE: Finding budget-friendly auto insurance in Alabama: my step-by-step
I’ve always wondered if the tracker thing is worth it for folks like me with a couple tickets on my record. Does it actually help bring rates down for high-risk drivers, or do they just use the data to raise your premium...
RE: Confused about Illinois car insurance rules - anyone else?
Yeah, I get what you mean. I’ve had my fair share of run-ins with insurance stuff, and honestly, relying on an app always feels risky. Paper cards might seem old-school, but they’ve saved me more than once. It’s weird ho...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Dashcams do seem useful, but knowing my luck, I'd probably forget to turn it on the one time I actually needed it... I've had more than a few close calls myself (some admittedly my fault), and insurance is already hittin...
RE: Insurance tips for my vintage ride needed
Agreed-value coverage is definitely a lifesaver, especially if you're prone to...uh, "incidents" like me. I've looked into those tracking apps too, and while the fairness aspect makes sense, I'm still a bit wary about ha...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Yeah, learned that the hard way myself. Thought I'd save big on limited mileage, then ended up overshooting the limit after a couple unexpected road trips. Fees weren't fun. Also, watch out for loyalty discounts - they s...
RE: stuck between Geico and Progressive in NY, thoughts?
I've had both Geico and Progressive in NY, and honestly, neither was perfect. Progressive was decent with claims, but my rates jumped pretty quick after a speeding ticket. Geico was cheaper upfront, but yeah, their repai...
RE: Tried temporary insurance coverage - worth it or waste of money?
Had a similar situation with my bike last year, but honestly, temp insurance saved me big-time when I borrowed a friend's truck. Guess it depends on the policy and how much you dig into the fine print. I wouldn't write i...