Car insurance discussions and local services.
scoder46
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Topics and replies this member has contributed.
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
Man, insurance in Hawaii really does feel like its own weird puzzle. When my cousin added her son, they were convinced splitting him off would save money since he’s a new driver, but nope - bundling was way cheaper for t...
RE: How did you feel after your first accident and dealing with insurance?
Honestly, I get what you’re saying about reading the fine print, but sometimes even then it feels like the rules change when you actually file a claim. Had a fender bender last year, thought I was covered for everything,...
RE: When The Other Driver Has No Insurance And Dings Your Car
Man, I totally get where you’re coming from. I swear, half the dings on my car are from mystery sources - never my own doing, and definitely not my kids. It’s like, if I’m gonna have a beat-up ride, at least let it be fr...
RE: Why did my GEICO premium jump so much this year?
Yeah, I’ve had a few “wildlife encounters” mess with my DriveEasy score too - one time it dinged me for “hard braking” when a kid’s soccer ball rolled into the street. I get that it’s better than just getting blindsided ...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I totally get what you mean about the mismatched parts. Happened to me last year after a fender bender - my car’s a few years old but I still notice the new headlight doesn’t quite match the other side. Drove me nuts at ...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I get what you’re saying, but honestly, I’ve had the opposite luck with the big guys. I know it’s not super personal, but at least I can get someone on the line 24/7. Local agents are hit or miss for me - sometimes they’...
RE: Finding decent car insurance deals on the islands - my step-by-step
Yeah, I used to think glass coverage was just another way for them to tack on fees, but after my third windshield chip (thanks, dump trucks), I caved. It’s wild how much debris gets kicked up on the highways here. I gues...
RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action
Right? I swear, half the time it feels like they just pick random words out of a hat. I once got stuck with a tiny sedan as my "comparable" ride after my truck got sideswiped. Try hauling anything in that... not happenin...
RE: Confused about Illinois car insurance rules - anyone else?
Honestly, I’m with you on the glove box chaos - mine’s basically a black hole for random junk. I do worry a bit about my phone dying at the worst time, though. Wonder if cops in Illinois are cool with just the digital ca...
RE: lent my car to a friend, insurance got messy real quick
Yeah, insurance can be super weird about potholes. Had something similar happen last winter - hit a pothole hidden under slush and ended up bending the suspension arm. Thought it'd be covered, but nope...apparently "road...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Honestly, I feel your pain... I went with a higher deductible to save cash, thinking I'd never need it. Then BAM, hit a pothole and wrecked my tire and rim. Suddenly that deductible didn't seem so smart, lol. Still debat...
RE: Ever had to deal with car insurance claims in SD? Quick poll
Had something similar happen near Rapid City last year. GPS took me down this sketchy gravel road that kept narrowing until it was basically just two tire tracks through grass. Started second-guessing real fast, especial...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I get the logic behind that, but doesn't it feel a bit risky? I mean, what if something happens before you've built up enough savings to cover the deductible comfortably? I went with a mid-range deductible myself - felt ...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
I checked out pay-per-mile too, thinking it might be a hidden gem since I commute daily but don't do much else driving-wise. At first glance, it seemed like a no-brainer - why pay full price if I'm mostly just going to w...
RE: keeping your vintage ride running smooth on long trips
Haha, true... part of the charm is definitely the unpredictability. For me, it's gotta be duct tape - saved my butt more times than I'd like to admit. Ever had a roadside fix that turned into a permanent solution?