Car insurance discussions and local services.
simba_moon
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Topics and replies this member has contributed.
RE: When your deductible makes you second guess filing a claim
I swear, the only time I felt like insurance actually worked in my favor was when a tree branch fell on my minivan during a freak windstorm. Even then, by the time I paid the deductible and dealt with the rental car circ...
RE: How did you feel after your first accident and dealing with insurance?
Man, the fine print gets me every time too. I remember thinking I was totally covered after my first little scrape in the minivan - turns out, nope, rental coverage wasn’t included. My agent at the time basically handed ...
RE: Mileage-based car insurance: who’s using it and which company do you like?
Yeah, the “hard braking” thing cracks me up - like, sorry I didn’t want to rear-end the guy who cut me off. I’ve got three kids in the back and snacks flying everywhere, so I’d probably rack up “unsafe driver” points jus...
RE: What happens if your rideshare app is between trips and you get into an accident?
Ain’t that the truth. I swear, reading those policies is like deciphering ancient runes. I remember thinking my regular insurance had me covered until my agent hit me with the “not if you’re logged into the app” line. It...
RE: Why did my GEICO premium jump so much this year?
Man, I feel this in my wallet. I drive a minivan that screams “soccer practice,” and my premium still jumped for no reason. I even called to ask if I’d accidentally become a racecar driver overnight. Nope, just “market c...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
I’ve got three kids and a minivan that eats phone chargers for breakfast, so I learned the hard way to keep that crumpled insurance card in the glove box. Not pretty, but it’s saved my bacon more than once. Tech is great...
RE: Mileage-based car insurance: who’s using it and which company do you like?
I hear you on the data thing - it’s a little weird knowing my car’s tattling on me every time I brake for a squirrel. I tried Metromile for a bit since we don’t rack up a ton of miles (kids’ soccer and grocery runs, most...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I get the whole “keep it stock” thing, but honestly, I’ve had better luck just being upfront with my agent about little mods. Swapped out my minivan’s stereo for one that actually connects to Bluetooth (because, kids), a...
RE: Getting that student discount on car insurance… not as easy as I thought
Honestly, I think you nailed it. Last year, my daughter got straight As and I thought, “Sweet, easy discount.” Nope - apparently one minor fender bender from two years ago still haunts us. It’s like they keep moving the ...
RE: Roadside help added to my insurance - totally worth it?
Yeah, I hear you on the hotel discounts - half the time I’d remember them after I’d already checked out. My insurance roadside has bailed me out twice now (once with a flat and once when my toddler locked us out of the c...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Man, the telematics thing cracks me up - my car already nags me enough, now my insurance wants to join in? I tried one of those pay-per-mile deals last year thinking it’d be perfect since I mostly just drive to the groce...
RE: little-known ways to snag cheaper insurance in Alaska
Couldn’t agree more about the “bare minimum” being a joke up here. I used to think I was being clever by just getting what I needed to stay legal, but after my neighbor’s car got pancaked by a falling tree (not even duri...
RE: anyone else feel like AAA insurance isn't what it used to be?
Honestly, I’ve had AAA for years and the only time I needed a tow that far was when my minivan decided to take a nap in the middle of nowhere on a road trip. Otherwise, it’s mostly been for locking my keys in the car... ...
RE: quick heads-up on Arkansas auto insurance basics
I've never really noticed knocking or anything serious myself, but I swear my old minivan gets a little cranky if I cheap out on gas. It's like the car equivalent of me before my morning coffee - still works, just grumbl...
RE: little-known ways to snag cheaper insurance in Alaska
Yeah, I hear ya on the braking thing. Honestly, that's why I've been hesitant to try those apps myself. Between black ice and wildlife deciding to cross whenever they please, my brakes get a workout every winter. But you...