Car insurance discussions and local services.
scottw79
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Topics and replies this member has contributed.
RE: Car insurance in Wyoming: who actually treats you right?
- Totally get where you’re coming from. - I’ve had both local and online, and honestly, the online route saved me a ton of time (and awkward convos). - Local agents can be helpful if you need something complicated so...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling has been a mixed bag for me too, but I lean toward it being mostly hype, at least in my case. Here’s what I’ve noticed after a few years of shuffling policies around: - Ran the numbers with USAA, GEICO, and Sta...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
- Totally agree on the lender thing - had a buddy who missed a payment and suddenly had “collateral protection insurance” tacked on. Way pricier than just keeping your own full coverage. - Curious, though: with Nebraska ...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
- If they're driving your car more than just once in a blue moon, insurance companies will probably see it as regular use, not permissive. - In MN, permissive use usually covers the odd trip, but if something happens and...
RE: Getting caught without car insurance in Iowa is no joke
- Totally agree, the fines here are brutal if you get caught without proof. - Same here - had my phone freeze up during a traffic stop once. Luckily had the paper in the glove box, or that would’ve been a mess. - Hone...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
TELEMATICS SOUNDS GREAT - UNTIL YOU DRIVE A LOT I get the appeal for folks who barely drive, but for those of us commuting 40+ miles a day, telematics can actually backfire. Here’s what I’ve noticed: - The more you dri...
RE: Classic car insurance and the annual mileage cap - worth it?
Classic car insurance and the annual mileage cap - worth it? - Totally get where you're coming from. For me, the cap is more of a mental speed bump than a real hassle. - I commute daily (not in the classic, obviously)...
RE: is accident forgiveness really worth it in Ohio?
I drive through Columbus traffic every day, and honestly, accident forgiveness has saved me once. Here’s how I look at it: - If you’re barely driving, like your cousin, probably not worth it. - For daily commuters or fo...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
I get where you’re coming from, but I’d actually argue the legal fallout can be worse, at least in some cases. Here’s why: - Legal issues can drag on for years, especially if lawyers get involved or there are appeals. T...
RE: Roadside help added to my insurance - totally worth it?
Definitely agree with this. I commute about 60 miles round trip every day, so I’ve had my share of car hiccups. Here’s what I’ve learned after a couple of breakdowns and a lot of policy comparisons: - Not all roadside a...
RE: stuck between Geico and Progressive in NY, thoughts?
- Had a similar issue after a windshield swap - my adaptive cruise went haywire until I got it recalibrated. - Insurance (Progressive, in my case) only covered the glass, not the sensor work. - Geico quoted me less f...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
- Totally agree on the insurance thing - most people don’t even think about it until something happens. - Tarps are a pain, honestly. One strong wind and your cover’s halfway down the block. - City rules feel like th...
RE: Someone smashed my parked car - deal with insurance or call the cops?
- I hear you, but I still file a police report for any hit-and-run, even if it feels pointless. My insurer actually required the report last time or they wouldn’t process the claim. Pain in the neck, but maybe it depends...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Good point about roadside assistance - it's easy to overlook until you're stranded somewhere. I've had mixed experiences with State Farm's roadside service myself. Once, they showed up within 20 minutes when my battery d...
RE: is accident forgiveness really worth it in Ohio?
Good point here - had a deer run into my side door last winter near Cleveland. Insurance treated it as comprehensive, not collision, so no premium hike. Definitely worth confirming specifics with your insurer before payi...