Car insurance discussions and local services.
sturner61
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Topics and replies this member has contributed.
RE: How is ACV not just a fancy way to pay us less?
- I get the logic behind keeping receipts and photos, but honestly, it’s not always enough. Insurance companies can still lowball you, even with a paper trail. - Had a buddy with a ‘68 Camaro, documented every upgrade,...
RE: Running out of gas and waiting forever for help
- Been there, and I learned the hard way - ran out of gas once on a back road in winter. Not fun. - Since then, I stick to filling up at a quarter tank, even if it feels a bit over-cautious. - It’s not just about con...
RE: Dodged a bullet: finally got insured before getting pulled over
Totally get the “mobile hardware store” vibe. I’ve been there, and honestly, sometimes I still am. - My trunk’s got a blanket, jumper cables, two flashlights (one works, one’s for luck?), random tools, and a first aid k...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
- Couldn’t agree more about those telematics apps. I tried one for a month and it dinged me for “hard braking” when a moose darted out at dusk - like, what else was I supposed to do? - Bundling’s been the real winner f...
RE: Why does insurance cost more in Houston than Austin or Dallas?
- Totally agree about the documentation part. I’ve had to dig up old receipts and take photos of my garage just to get a small break on my premium. - It’s wild how much difference something like “garage kept” can make - ...
RE: anyone else feel like AAA insurance isn't what it used to be?
Here’s what I’ve noticed after years of dealing with different insurers: - AAA used to be solid, but lately things seem slower and more bureaucratic. - Tried a smaller online insurer last year. Claims process was faster...
RE: is accident forgiveness really worth it in Ohio?
- Totally get where you’re coming from. I’ve run the numbers too, and accident forgiveness always seems like a “nice to have” but never quite worth the extra chunk of change for me either. - I’m careful (maybe to a fault...
RE: anyone else feel like AAA insurance isn't what it used to be?
- Can’t argue with wanting OEM parts, especially on a newer car. I’ve had shops try to sneak in aftermarket stuff on me before - never turns out quite right, and you end up chasing little issues for months. - I get the c...
RE: Confused about Illinois car insurance rules - anyone else?
I’ve run into this a couple times and honestly, it’s never been super clear to me either. Here’s what I’ve picked up over the years: - If you use your own insurance for a rental accident, it usually gets treated like an...
RE: How do they actually decide when a car is “totaled”?
- Had a ‘72 Chevelle on a specialty policy a few years back. They did treat it differently, but only because I had it appraised and agreed value written in. Without that, it’s just like any other car - blue book, minus y...