Car insurance discussions and local services.
sewist56
Discussion activity
Topics and replies this member has contributed.
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
I’ve switched companies twice in the last five years and honestly, it’s saved me a chunk each time. Loyalty discounts never seemed to add up to much, at least not for me. As for the low mileage thing - yeah, they offer i...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
Yeah, that’s the kicker for me. I’ve had digital forms time out or just freeze up, and poof - everything gone. Paper’s slow, but at least it doesn’t crash. Still, I hate mailing stuff and waiting weeks for a response. If...
RE: Do you really need extra insurance for a rental in Montana?
Never had to file a claim myself, but I’ve heard stories where credit cards found any excuse not to pay out - especially with stuff like animal collisions. It’s wild how they’ll cover you for a fender bender in a parking...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
I hear you on the “driving test that never ends” thing. Those apps are a bit much sometimes. I tried one for about six months - figured if I was already a pretty careful driver, why not get a discount? But honestly, it f...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Man, I hear you. Insurance paperwork is like a trap - think you’ve got it covered, then you find out there’s some random clause or missing bit that could cost you thousands. I’ve been driving for decades and I still get ...
RE: Is Paying For Roadside Help Worth It Or Just Extra?
Yeah, but what if it’s not just a tow? Had a flat once in the pouring rain and the spare was shot. Roadside got me sorted in like 30 minutes. Ever had something go sideways where a tow wasn’t enough?
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, I’ve noticed the same thing with AAA lately. Used to be you paid a little extra but felt like you got what you paid for - now it’s just more hoops and less actual coverage. Had a similar runaround with them over a ...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Honestly, I get the math on dropping comp for an old beater, but I’ve seen folks regret it. My neighbor’s Corolla was about as old as your Civic - he figured it wasn’t worth much, then a tree branch smashed his windshiel...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, that “period 1” gap is where they really get you. Been there, got the headache. My old insurance guy practically laughed when I asked if I’d be covered just waiting for a ping. Honestly, it’s like they want you to...
RE: Little-known trick with Progressive’s roadside help
Had a similar experience with my old BMW. - yeah, you’d think, but nope. Ended up paying for a separate roadside plan just because the regular one sent a guy with a dolly truck who had no clue what to do with it. Felt l...
RE: Are Loyalty Perks With Insurers Even Worth It Anymore?
Honestly, I get where you’re coming from. I’ve been with the same company for over a decade now. Every time someone tells me to shop around, I think about the hassle and just... don’t bother. They’ve taken care of me whe...
RE: anyone else feel like AAA insurance isn't what it used to be?
Honestly, AAA was fine for my daily drivers, but when I got my hands on a limited-run Porsche with some custom work done, they were totally clueless. I tried explaining the mods and rarity, but it felt like talking to a ...
RE: how bad would insurance spike after a DUI in Idaho?
Yeah, bundling can help a bit, but honestly don't expect miracles after a DUI. Had a buddy here in Idaho who got hit with one a couple years back - his rates practically doubled overnight. He bundled home and auto too, a...
RE: My insurance nightmare in Rhode Island traffic court
Yeah, you're spot-on about repair complexity playing a big role. I've had adjusters tell me straight-up that certain cars - especially electrics or hybrids - get flagged quicker because even minor damage can mean special...
RE: Ever had to deal with car insurance claims in SD? Quick poll
Yeah, mileage limits can be sneaky. Had a buddy who thought he'd be fine taking his classic Camaro out for a few extra spins - ended up paying more than he bargained for. As for accidents, I've found insurers can be weir...