waffles_smith
@waffles_smith
Eminent Member
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Topics: 1 / Replies: 18
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RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?

I feel you on the sticker shock—just started looking into this for my younger brother, and the numbers are wild. We thought about a separate policy, b...

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RE: Weighing legal trouble vs. losing trust: which is worse after fraud?

Honestly, I think it depends on the situation, but in my experience, it’s usually harder to rebuild trust with professional contacts. Friends might be...

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RE: Getting Cheaper Car Insurance by Proving You Drive Less

I’ve been looking into these tracking apps since I’m shopping for my first policy, and honestly, your experience lines up with what I’ve heard from fr...

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RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?

Yeah, that “like kind and quality” phrase cracks me up—my buddy had a similar issue with his Audi. They tried to put on some off-brand mirror and call...

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

Yeah, it’s wild how quick they are to call an older car a total loss. I’ve seen cars get written off for stuff that’s basically cosmetic. Honestly, if...

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RE: Do you really need extra insurance for a rental in Montana?

This hits close to home—I rented a car in Missoula last summer and spent way too long squinting at my insurance paperwork. I thought my regular policy...

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

Honestly, reading all this makes me feel like I’m not missing out by being new to the whole insurance thing. I’ve been shopping around for my first po...

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RE: Which is better for SR-22 in ND: local agents or online companies?

I’ve been looking into this myself and honestly, the “cheaper rates, quick sign-ups” part is tempting. But hearing about folks getting stuck in DMV li...

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RE: Drowning in Forms: What If Your Insurance Docs Got Lost?

I just got my first policy and was paranoid about losing the docs, so I scanned them and emailed myself a copy. Not sure if that’s overkill, but my gl...

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RE: Insurance tips for my vintage ride needed

I totally get the glovebox chaos—mine’s basically a time capsule of expired paperwork and random receipts. I’m new to the whole vintage insurance thin...

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

Yeah, totally agree—it's definitely tricky. I've heard checking out customer reviews on independent sites helps a lot. Also, sometimes smaller local i...

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RE: is accident forgiveness really worth it in Ohio?

I'm actually shopping around for my first policy right now, and I was tempted by accident forgiveness at first. But honestly, after sliding around on ...

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RE: Car Insurance in Delaware—Any Hidden Gems or Hacks?

Haha, same here—I totally brushed off bundling at first. But when I finally caved and combined my renter's and car insurance, I was genuinely surprise...

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RE: bumped someone's car lightly, no visible damage—should I report?

Yeah, totally agree with this. Had a friend who barely nudged someone's car—no visible damage at all—but the backup camera started glitching randomly ...

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