Car insurance discussions and local services.
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RE: How bad does a DUI mess up car insurance in Michigan?
Honestly, Michigan insurance is already a circus, and tossing a DUI into the mix is like letting a bull loose in the tent. I’ve seen guys in my car club get hammered with rate hikes after just one slip-up. The SR-22 is b...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Never thought much about it either until I started restoring my '72 Chevelle. Parts aren't cheap, and if some uninsured yahoo T-bones me, I'm out way more than just a deductible. Like you said, - that hits home. Annoyin...
RE: Getting caught without car insurance in Iowa is no joke
Honestly, I’ve had the same headache with my ’72 Chevelle. Those insurance cards are just not made for Midwest summers. I tried one of those plastic sleeves - thought it’d help - but it just stuck to the glove box and tu...
RE: Why does picking a deductible feel like a weird gamble?
Honestly, I get where you’re coming from, but I’ve always thought the “peace of mind” thing is a bit overrated. I’d rather risk a higher deductible than bleed money every month for something that might never happen. Anyo...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I get where you’re coming from about the peace of mind, but honestly, I’ve always felt like uninsured coverage is one of those things you just have to grit your teeth and pay for, especially in states like Nebraska. Ther...
RE: Car insurance in Wyoming: who actually treats you right?
Honestly, I think some of this comes down to reading the policy front to back, even if it’s a pain. I’ve had Hagerty cover my old Mustang and they didn’t mess around when I needed a tow - no drama, no hidden fees. But ye...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get where you’re coming from, but honestly, I think people worry way too much about “permissive use” being some kind of insurance booby trap. If your brother only borrows the car once in a blue moon, you’re probably fi...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I've seen too many folks get burned thinking their credit card insurance would bail them out. Once you leave paved roads, most of those agreements are full of loopholes - tiny print about “maintained roads only...
RE: Do you really need extra insurance for a rental in Montana?
I get where you’re coming from. I’ve rented in Montana before, and honestly, those backroads can chew up a car fast. The fine print is a pain, but sometimes that extra insurance is just common sense - especially if you d...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
I get where you’re coming from, but I’m not convinced paying top dollar always means better service. Had a “premium” policy on my ‘72 Chevelle - cost me a small fortune, and when I needed them, they still dragged their f...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Finding affordable car insurance after 65 in kansas - anyone else struggling? Yeah, the whole “rates go down as you get older” thing is a myth once you hit a certain age. I’m a few years behind you, but my dad got hit w...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
You nailed it about the “hidden gems” - they’re usually just a bait-and-switch. I’ve had similar nonsense with rate hikes out of nowhere, and don’t get me started on those tracking apps. Tried one for my old Mustang, thi...