Car insurance discussions and local services.
tea431
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Topics and replies this member has contributed.
RE: Running out of gas and waiting forever for help
Man, I learned the hard way about the battery thing too. Sat there thinking, “Eh, hazards and a little heat can’t hurt,” and then suddenly the dash lights are dimming and I’m regretting every decision. I’ve heard crackin...
RE: Saving a few bucks on insuring your vintage ride
I hear you on the photo scavenger hunt - mine are mixed in with a thousand random vacation pics. I’ve wondered about the carport thing too. My agent said as long as there’s a roof and it’s on my property, it “technically...
RE: When The Other Driver Has No Insurance And Dings Your Car
Yeah, the paperwork is a nightmare. I had a buddy with an old Bronco who got rear-ended by someone with no insurance, and it took months to sort out. He kept saying he’d rather pay for UMPD than gamble with repairs out o...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
Yeah, I totally get the frustration with all the questions, but honestly, I’d rather be safe than sorry. I had a buddy who thought he could just breeze through the paperwork and ended up fighting with his insurance for m...
RE: Finding decent car insurance in Delaware without losing your mind
I know what you mean about the “attracts attention” thing - my last car was a beat-up Subaru and somehow it still got flagged for “potential theft risk.” I’ve started wondering if these companies just have a dartboard wi...
RE: What happens if you only carry the bare minimum car insurance in Florida?
Yeah, totally get where you’re coming from. I used to roll with the minimum on my old Corolla too, just because it was cheap and I figured, “what’s the worst that could happen?” But after seeing a buddy get in a wreck an...
RE: Why did my GEICO premium jump so much this year?
That’s exactly what I’ve wondered too. It’s like the longer you stick around, the more you pay for the privilege. I used to be all about sticking with one company - figured it’d pay off if something ever happened on a lo...
RE: Why Is PIP Mandatory In Some States But Not Others?
Yeah, I get where you’re coming from. I remember when I moved states and suddenly PIP was on my bill - I was like, “Wait, do I even need this?” But honestly, after seeing a friend get stuck with crazy hospital fees from ...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
I’ve run into that “premium vehicle” clause before - had to argue with a dispatcher about whether my Subaru counted as “luxury.” It’s wild how those definitions shift depending on who you talk to. I do lean toward AAA, j...
RE: Which is better for SR-22 in ND: local agents or online companies?
Honestly, that’s my worry too. I had a buddy who went the online route for his SR-22, and when he had an issue, it was just endless emails and phone trees. Local agents might cost a bit more, but at least you can walk in...
RE: Confused about insurance rules in South Dakota - help me figure this out
Honestly, I’m right there with you. I always keep a paper card tucked in the glove box too - can’t trust tech 100% when you’re out in the sticks. That cracked me up, but I totally get it. I’d rather be over-prepared tha...
RE: Confused about insurance rules in South Dakota - help me figure this out
Honestly, I’ve always worried about this too - like, what if you get pulled over in the middle of nowhere and they want something weird? I keep a folder with everything just in case. Has anyone ever had a cop actually as...
RE: Are those price-checker sites actually reliable?
Yeah, I feel your pain on that one. Those policy docs can be a maze - sometimes I swear they're designed to put us off reading them entirely. Comparison sites are handy for getting a rough idea, but honestly, I never ful...
RE: Confused about insurance rules in South Dakota - help me figure this out
I've mostly had good luck with digital cards too, but I did run into a snag once in rural Montana. Officer wasn't exactly thrilled about squinting at my cracked phone screen in bright sunlight... awkward. Since then, I'v...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Totally get what you're saying about the tracking thing... I tried one of those usage-based policies once, and it made me hyper-aware of every little move I made behind the wheel. Felt like I couldn't even brake normally...