Car insurance discussions and local services.
skye74
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Topics and replies this member has contributed.
RE: Is stacked UM worth the higher premium for SC hit-and-runs?
The unidentified-driver question deserves its own line in the quote comparison. Ask whether the insurer requires physical contact with the vehicle, or whether independent evidence such as a witness, dashcam, police repor...
RE: Do you really need extra insurance for a rental in Montana?
Had a rental in Missoula once - thought I was being clever skipping the extra insurance. Next morning, windshield’s got a crack from who-knows-what. Rental place hit me with “loss of use” fees too. Never again. Montana’s...
RE: Running out of gas and waiting forever for help
Running Out Of Gas And Waiting Forever For Help Man, I swear my old Civic’s gas gauge has a mind of its own. Says I’ve got a quarter tank, then boom - dead on the side of the road. I started keeping a spare charger in t...
RE: Would you risk a higher deductible to lower your insurance bill?
Would You Risk A Higher Deductible To Lower Your Insurance Bill? Man, I hear you. My kids treat the minivan like it’s a bumper car at the fair. Last summer, we took a road trip, and my son managed to drop a can of soda ...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Man, I totally get this. My first car was a ‘97 Camry with more duct tape than paint, and I remember looking at my insurance bill thinking, “Am I insuring the car or the rust?” I went with liability only pretty quick - f...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Yeah, I hear you - once you get burned, it’s like your “trust radar” goes full DEFCON 1 every time you need to deal with anyone new. I had a sketchy tow truck guy try to charge me for “emergency” wiper fluid once. Now I ...
RE: Bundling insurance with USAA: worth it or just hype?
Yeah, I tried the bundle thing too and honestly, it felt like ordering a “value meal” but then getting charged extra for fries. I’d rather piece together exactly what I need, even if it means a little more paperwork. Mor...
RE: Classic car insurance and the annual mileage cap - worth it?
Totally get what you mean - feels like playing mileage roulette sometimes. I’ve pushed the cap a bit on a couple of trips and just crossed my fingers. Honestly, if you’re not doubling your limit, you’re probably fine. Bu...
RE: Bundling insurance with USAA: worth it or just hype?
Yeah, I’ve noticed the same thing. Last year, I tried bundling my auto and renters with USAA thinking I’d be rolling in savings - nope. The “deal” was like getting a free air freshener with a full tank of gas… nice, but ...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Honestly, I get where you're coming from - my driving record looks like a bingo card, so getting dropped would be a nightmare. Legal trouble is bad, but those sky-high premiums feel like a punishment that never ends. At ...
RE: Rental car insurance: worth it or just a money grab?
I hear you, but man, paying those rental company insurance rates feels like feeding my wallet into a wood chipper. I’ve had to file a claim with my card once - yeah, it was annoying, but I still saved a ton. For me, the ...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
Yeah, the insurance game feels like it’s rigged no matter what side you’re on. I swear, my buddy’s delivery van got a cracked taillight and the shop quoted him more than my first car cost. The tech’s supposed to make us ...
RE: Rental car insurance: worth it or just a money grab?
I hear you on the “just check the box” thing. I used to do that too, mostly because I didn’t want to be the person holding up the line at the counter while I squinted at my phone, trying to figure out if my credit card h...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Honestly, the idea of an insurance company scrolling through your Insta to see if your buddy’s basically moved in is both hilarious and terrifying. I get why people try to skirt it - nobody wants their premium to jump ju...
RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action
I get where you’re coming from, but man, those premiums still make me wince every renewal. I’ve had my share of parking lot “magic tricks” too - one time someone left a note that just said “sorry” and nothing else. Not e...