Car insurance discussions and local services.
ssummit43
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RE: Finding decent car insurance deals on the islands - my step-by-step
Man, you nailed it with the “livestock avoidance” setting - if only these apps had a clue about what actually happens on our roads. I’ve had my ‘68 Volvo flagged for “hard cornering” just trying to make that hairpin by t...
RE: Saving cash just for driving less? Didn’t think it was real
That’s exactly what happened to me. I was so focused on not braking too hard that I almost missed a turn once. I get why they do it, but it takes some of the fun out of driving - especially if you’re used to older cars w...
RE: How did you feel after your first accident and dealing with insurance?
Couldn’t agree more about the rental coverage - learned that the hard way after my ‘68 Mustang got rear-ended. Thought I’d save a few bucks skipping it, but three weeks without wheels while waiting on parts was brutal. A...
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
Funny you mention “other structures” - I had no idea my detached garage (where I keep my ‘72 Chevelle) wasn’t automatically covered under my first policy. Only found out after a neighbor’s tree came down during a storm. ...
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
I get where you’re coming from about the water backup add-on. I used to think it was just another upsell until my neighbor’s finished basement got wrecked by a sump pump failure. He had State Farm, and while they did cov...
RE: How I got my car registered and insured in MA (step-by-step, sorta)
The last time I registered my ‘72 Chevelle, the clerk asked for a “previous registration certificate” - I’d only ever had the title and bill of sale. Ended up digging through my glovebox for something with the VIN on it....
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
That’s exactly what worries me. I had a ‘72 Cutlass that I let my neighbor drive once for a parade - just once, mind you - and when he bumped a curb and cracked the front valance, the insurance folks grilled me about how...
RE: USAA vs State Farm: which claims process is less of a headache?
State Farm and OEM parts... yeah, that’s a headache I know all too well. I had to go back and forth with them about a replacement fender for my ’72 Chevelle - kept getting offered aftermarket stuff that didn’t even fit r...
RE: Do you really need extra insurance for a rental in Montana?
Extra Insurance Feels Like Overkill Sometimes That’s a fair point, but honestly, I’ve rented cars all over the place and never once had a rental company actually charge me for “loss of use.” Maybe I’ve just been lucky...
RE: What happens if your rideshare app is between trips and you get into an accident?
That “periods” thing tripped me up too. Reminds me of when I tried to get classic car insurance for a side gig and the agent flat-out told me, “If you’re even thinking about using this car for anything commercial, we’re...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
That hits home. I used to think I’d just dip into savings if something happened, but when my ‘72 Chevelle got a cracked windshield, I realized I’d underestimated both the cost and my own discipline. Classic car parts are...
RE: Would your insurance hold up if your EV battery suddenly failed?
I get what you’re saying about “gradual deterioration.” Reminds me of when I had to replace the clutch in my ‘68 Mustang - insurance didn’t touch that, just normal wear. But what if the battery fails suddenly, like drops...
RE: Just saved a chunk of cash on car insurance after defensive driving course
That’s exactly why I never bothered with those apps - my ‘72 Chevelle doesn’t even have a computer, let alone a phone mount. I get the idea behind tracking habits, but it feels like they’re missing the context. Back in t...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
Had a similar experience myself a while back. I used to chase the lowest premiums too, thinking insurance was just a box to tick off. Then one day, someone backed into my '68 Mustang at a car show - nothing major, just a...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
Yeah, I've noticed the same thing. A buddy of mine - retired Air Force - tried stacking his military discount with loyalty perks, and the insurer basically told him to pick one. He crunched the numbers and found the mili...