Car insurance discussions and local services.
skater41
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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?
First car I ever bought was a ‘92 Caprice wagon for $900. Thing was a tank, but let’s be honest - nobody’s stealing it and if it got wrecked, the payout wouldn’t even cover a set of tires. I ran the numbers, and full cov...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Couldn’t agree more. Here’s how I handle it, step by step: 1. If someone asks to drive one of my classics, first thing I do is check my policy. Some insurers are fine with permissive use, but a lot of them have weird ex...
RE: Getting caught without car insurance in Iowa is no joke
Had a similar thing happen at a classic car show last year. Guy next to me had his insurance on his phone, all proud of how “paperless” he was - until he realized he’d left his phone in the trunk, and the battery was toa...
RE: Finding decent car insurance deals on the islands - my step-by-step
Finding Decent Car Insurance Deals on the Islands - My Step-by-Step I hear you on the glass coverage thing. Used to think it was just another way for the insurance companies to squeeze a few more bucks out of us. But af...
RE: Would you risk a higher deductible to lower your insurance bill?
I get where you’re coming from. I’ve seen folks try to play that game - raise the deductible, pocket the savings, and swear they’ll keep it for emergencies. In theory, it sounds smart. But in practice? That “emergency fu...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Those trackers are a joke out here. I’ve had mine ding me for “hard braking” when a deer jumped out - what else am I supposed to do, just hit it? Honestly, I think whoever designed these things never drove a gravel road ...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I get where you’re coming from. I’ve got a couple old Chevys that barely leave the garage, and it bugs me to pay for coverage I’ll probably never use. That said, I’ve seen what happens when someone gets hit by an uninsur...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Nailed it. Legal stuff is like fixing a dent - painful, but you know when it’s done. Trust issues are more like rust; once it starts, it spreads and you’re never quite sure you got it all. Intent matters some, but even “...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get wanting to save the $20, but honestly, I wouldn’t risk it. Here’s how I look at it - step one, ask yourself if you’d be cool paying your deductible (or worse) if your roommate gets in a fender bender. Step two, che...
RE: Why does picking a deductible feel like a weird gamble?
I get where you’re coming from. I’ve had cars for years and never filed a claim, but the one time I did, I was glad I didn’t cheap out on coverage. It’s a gamble, yeah, but sometimes peace of mind is worth a few extra bu...
RE: Why can’t I use my points AND a coupon at checkout?
I’ve run into this at auto parts stores, actually. Sometimes you can stack rewards and coupons, sometimes you can’t, and it’s never clear why. I get the tech excuse, but if a cashier can override it, then it’s not really...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Telematics is a joke for anyone who actually pays attention while driving. I got docked for “rapid acceleration” merging onto the freeway - what, am I supposed to crawl and get rear-ended? Insurance companies seem to lov...
RE: Getting that student discount on car insurance… not as easy as I thought
Yeah, it’s a total mess. I went through the same hoops last year - one company wanted an “official” letter, another just took a screenshot from my portal. The whole “must be stamped and signed” thing is outdated, but som...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
Honestly, I’ve been in your shoes - insurance roadside worked fine until it didn’t. Here’s how I look at it: 1) If you’re driving a lot, especially in rural areas, AAA’s network is just bigger and usually faster. 2) Insu...
RE: Would you stick with your insurer for free coffee or movie tickets?
Yeah, Hagerty and the like definitely aren’t for everyone. I ran into the same thing - clean record or you’re out. They want garage storage, super low mileage, and proof you baby the car. Honestly, if you daily your clas...