Car insurance discussions and local services.
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RE: Saving cash just for driving less? Didn’t think it was real
Saving cash just for driving less? Didn’t think it was real - Totally get the privacy worries. I’m not wild about handing over more data either, but man, with three kids and a mortgage, every dollar counts right now. - ...
RE: Navigating the maze of senior insurance options
Honestly, I keep both on me now. Tried going digital-only for a bit - thought it’d be easier, less stuff in my wallet. But then I got stuck at the drive-thru pharmacy with two kids in the back and they wouldn’t take the ...
RE: Car insurance in Wyoming: who actually treats you right?
- Totally get what you mean about the trackers. Tried one for a few months - barely saved anything, and it kept flagging me for “hard braking” when I was just avoiding deer or slowing down for a tractor. - - yeah, tha...
RE: How did you feel after your first accident and dealing with insurance?
Totally get what you mean about the “telephone” mess. I had to chase down both the shop and insurance too, and honestly, it felt like a part-time job. Here’s what helped me (after learning the hard way): - Made a checkl...
RE: Finding decent car insurance deals on the islands - my step-by-step
Honestly, I get the appeal of local insurers, but I’ve actually had better luck with the big chains. Their apps might be clueless about chickens, but at least their prices are lower for families like mine. The smaller gu...
RE: Why Is PIP Mandatory In Some States But Not Others?
- Not gonna lie, I get the less paperwork thing, but the extra cost bugs me. - With three kids and a tight budget, every monthly premium hike stings. - I’ve had claims in a non-PIP state, and yeah, it took a bit long...
RE: Getting that student discount on car insurance… not as easy as I thought
Yeah, I totally get what you’re saying about the paperwork roulette. I’ve had to submit my kid’s grades every year for the “good student” discount, and it’s never the same twice. Here’s what’s helped us: - Keep both dig...
RE: stuck between Geico and Progressive in NY, thoughts?
Been there - my wife hit a deer last fall and we only figured out the comprehensive vs. collision thing after the fact. Here’s what I learned: - Geico was upfront about deductibles but didn’t mention deer unless I asked...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, that “period 1” gap is a killer. I remember thinking my regular policy would cover me, but nope - my agent basically said, “You’re on your own.” Here’s what I figured out: - Personal insurance usually won’t touch ...
RE: DOES YOUR RIDE NEED EXTRA PROTECTION AT CAR SHOWS?
- I get the paranoia, but honestly, I’ve never had anyone mess with my car at a show. - My ride’s nothing flashy - just a family wagon - so maybe that helps. - I do lock it and keep valuables out of sight, but I can’...
RE: My insurance nightmare in Rhode Island traffic court
Can’t say I totally agree, but I get where you’re coming from. Here’s what’s worked for me: - I keep a spreadsheet of quotes every renewal. It’s a pain, but it’s saved me a few hundred bucks. - Always ask about “hidden”...
RE: My insurance nightmare in Rhode Island traffic court
It’s funny you mention that, because when we moved just a couple towns over, I expected a big drop in our premium too. Didn’t happen - maybe twenty bucks less per month, tops. Meanwhile, my brother-in-law went from city ...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Yep, exactly this. We bumped ours up last year after realizing we've only filed one small claim in like 8 years. Definitely worth crunching the numbers - it can be eye-opening.
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Good reminder on checking deductibles - been there myself. - Had a windshield cracked by hail once, assumed comprehensive would fully cover it... nope. - Deductible was high enough that it wasn't worth filing a claim. - ...
RE: how bad would insurance spike after a DUI in Idaho?
Pretty much this. Couple things that helped me when my rates jumped: - Shop around aggressively - some insurers penalize DUIs less harshly. - Consider raising your deductible temporarily to offset the spike. - Defensive ...