Car insurance discussions and local services.
williamknitter
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Topics and replies this member has contributed.
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
Ha, yeah, my ‘72 Chevy’s glove box has seen more expired Taco Bell sauce packets than actual paperwork. I hear you about the clutter vs. chaos though. One time I got pulled over outside Tulsa and the officer just sort of...
RE: What happens if your rideshare app is between trips and you get into an accident?
WHAT HAPPENS IF YOUR RIDESHARE APP IS BETWEEN TRIPS AND YOU GET INTO AN ACCIDENT? Man, I’ve been down this rabbit hole too. Insurance folks love their jargon, but when it comes to the “waiting for a ping” thing, it’s li...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Ain’t that the truth. I had a buddy who tried dodging the repo guys - kept moving his old Cutlass around the block for weeks. Eventually, they caught up. He said dealing with the repo was almost a relief compared to faci...
RE: Getting caught without car insurance in Iowa is no joke
I hear you on the clutter - my glovebox is already a graveyard for old receipts and random screws from past projects. But I’ve had my phone freeze up right when I needed to show proof, which was a headache. Ended up digg...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
I get where you’re coming from about the paper backup, but honestly, I’ve been burned more by losing the darn paper than my phone dying. Once, I was at a car show and realized my insurance card was still sitting on the k...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Man, I totally get where you're coming from. Years ago, I tried to add a ’72 Chevelle to my policy and got blindsided by an old speeding ticket - nothing major, but it jacked up my rate for years. Feels like the system’s...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
Haha, yeah, I’ve had my fair share of “ant-naming” moments on the side of the road too. As for insurance roadside counting as a claim, I’ve heard both sides but in my experience (with two different companies over the yea...
RE: Getting that student discount on car insurance… not as easy as I thought
Man, I feel this. I remember trying to get that discount back in college and it was like a scavenger hunt for the “right” paperwork. At one point, they wanted my transcript, a letter from the dean, and proof I was enroll...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
That’s true, but man, sometimes I wish the system had a little more heart. I remember when my ‘86 Buick got rear-ended at a stoplight - totally not my fault - and my rates still crept up for years. The trust thing hits d...
RE: Why does picking a deductible feel like a weird gamble?
Yeah, I get what you mean. - that nails it. Back when my ‘94 Bronco blew its radiator, I was cursing my high deductible, but at least the fund was still there. It’s tough not to dip into it for “treat yourself” moments,...
RE: USAA vs State Farm: which claims process is less of a headache?
I hear you on the patience thing. Last year, my ‘72 Chevelle got rear-ended and I had to go through State Farm. The adjuster kept calling it a “Malibu” and tried to price parts like it was a base model. Had to send them ...
RE: Which is better for SR-22 in ND: local agents or online companies?
I get the appeal of local agents, especially if you’ve had a scare with paperwork. But honestly, I’ve saved a chunk going online - had to do some double-checking myself, sure, but it worked out. For me, every dollar coun...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I hear you on the peace of mind thing, but honestly, I've always leaned toward a higher deductible myself. Maybe it's because I mostly drive older classics and tend to do a lot of my own repairs - parts are usually affor...
RE: is accident forgiveness really worth it in Ohio?
I debated this myself a while back when I got my '72 Mustang insured. Accident forgiveness sounded tempting, but honestly, after crunching some numbers, it felt like paying extra for peace of mind I might never need. End...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
I looked into seasonal coverage last year for my '68 Mustang, but honestly, the savings weren't that different compared to my existing limited-use policy. Might be worth checking, though - could just be my insurer being ...