Car insurance discussions and local services.
thomasfisher
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Topics and replies this member has contributed.
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
That line cracked me up because it’s exactly how I felt the first time I had to cough up $500 just to get a dent fixed. Here’s how I’ve generally approached it: If the car’s worth less than what I’d pay for a year or two...
RE: How is ACV not just a fancy way to pay us less?
Honestly, I’ve had the same feeling, especially with cars. A few years back, my old sedan got totaled and the ACV they offered barely covered a down payment on anything decent. Here’s what I learned: they look up depreci...
RE: Why did my GEICO premium jump so much this year?
Yeah, I get that feeling too. Here’s what I’ve noticed: first, insurers look at overall claim trends, not just your car. Even if you drive an older model, if more folks are filing expensive claims (thanks to all that tec...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
I’ve always wondered if it’s different in Hawaii compared to the mainland. Like, - same here, but my insurer still wanted a fortune when I was a teen. Did you guys try calling any local agents or just stick to the big n...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get where you're coming from. The whole “permissive use” thing sounds straightforward until you actually need it, then suddenly there’s a bunch of fine print. I’ve had similar worries - my cousin borrowed my car for a ...