ssummit28
@ssummit28
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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 I’ve let my brother borrow my car a few times without adding him. Never had an issue, but it always made me a litt...

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RE: Why does picking a deductible feel like a weird gamble?

Yeah, it’s wild how fast your luck can change. I used to think a higher deductible was just “smart budgeting” until I hit a deer on my way to work. Su...

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RE: is accident forgiveness really worth it in Ohio?

Yeah, I’m with you on that. It’s like paying for a lottery ticket you hope never gets used. I drive about 60 miles a day for work and haven’t had an a...

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RE: anyone else feel like AAA insurance isn't what it used to be?

Yeah, tracking the tow truck is nice—beats wondering if they’re actually coming or not. Still, I’ve noticed the wait times creeping up lately. Used to...

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RE: How do they actually decide when a car is “totaled”?

Yeah, that lines up with what I’ve seen too. I had a buddy who tried to get reimbursed for his aftermarket stereo after a crash—insurance just laughed...

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RE: Why does insurance cost more in Houston than Austin or Dallas?

Honestly, it bugs me too. I drive all over Houston for work, and my rates jumped after I moved here from Dallas. I get the logic—more cars, more claim...

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RE: Are Loyalty Perks With Insurers Even Worth It Anymore?

Yeah, that’s pretty much where I land too. I used to think loyalty would pay off—like, maybe they’d cut me a break if I ever had a claim or something....

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RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"

Yeah, I noticed that too. Tried the course route last year—my insurer just shrugged. Kinda annoying when you put in the effort and see zero change. I’...

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RE: Insurance tips for my vintage ride needed

Insurance tips for my vintage ride needed Man, I hear you on the expired cards. I’ve definitely had that “oh crap” moment at a traffic stop, digging ...

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RE: Insurance headaches for risky drivers in NC—stick with big names or go local?

I get your point about bigger companies being smoother, but honestly, I've had decent luck with local insurers here in NC. Had a minor accident last y...

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RE: Would your insurance hold up if your EV battery suddenly failed?

Makes sense, but I'm still skeptical insurers would cover battery issues even if you pinpointed the exact cause. Had a friend whose EV battery suddenl...

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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.

I've always been skeptical about comprehensive coverage too, especially on older cars. But I commute daily through an area that's notorious for deer j...

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RE: Can Military Folks Really Get Cheaper Insurance Rates?

I was pretty skeptical about military discounts too, especially after my brother's experience. He signed up thinking he'd save a ton, but after one mi...

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RE: Insurance options when your driving record isn't exactly spotless

I dunno, Liberty Mutual quoted me way higher than I expected after my speeding ticket. Progressive was okay-ish, but Geico ended up being my best bet....

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