woodworker87
woodworker87
@woodworker87
Eminent Member
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Topics: 2 / Replies: 25
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RE: Would you risk a higher deductible to lower your insurance bill?

Totally get where you’re coming from. I went with a higher deductible on our Outback thinking we’d never need it—then a stray rock on a road trip crac...

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RE: Why does picking a deductible feel like a weird gamble?

I get where you’re coming from, but I actually lean the other way. I look at it like this: - If I’m on the road a lot (which I am), chances are highe...

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RE: Finally figured out how not to overpay for insurance

Totally get where you’re coming from. I used to think I was being smart by picking the cheapest plan, but after a breakdown in the middle of nowhere, ...

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RE: Why does picking a deductible feel like a weird gamble?

Totally get where you’re coming from. It’s like, do I want to pay more every month just for peace of mind, or risk it and hope nothing goes wrong? Her...

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

Honestly, I don’t think it’s just about arguing or pushing back for the sake of it. Here’s what I’ve seen work: - Get your own comps—look up similar ...

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RE: Is Paying For Roadside Help Worth It Or Just Extra?

- Totally get where you’re coming from. Those “included” services sound great until you’re stranded and realize the fine print bites. - I’ve had simil...

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RE: What happens if your rideshare app is between trips and you get into an accident?

Yeah, it’s a weird gray area. That “Period 1” when you’re just waiting is notorious for this. Most rideshare policies only offer liability coverage t...

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RE: Getting that student discount on car insurance… not as easy as I thought

- Been there, done that… and yeah, the paperwork is a nightmare. - Last time I applied, they wanted my transcript, a letter from the registrar, and ...

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

Honestly, you nailed it with the “flood damage” analogy. That stuff sticks around, even after you’ve done all the work. I’ve seen it on road trips wit...

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RE: Why does insurance cost more in Houston than Austin or Dallas?

I get that flooding’s a big deal in Houston, but honestly, I think the traffic congestion and sheer number of cars play just as big a role in those hi...

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RE: Finding affordable car insurance after 65 in kansas—anyone else struggling?

- Been there with the spreadsheet grind—mine’s a mess of highlighter and sticky notes at this point. - Tried one of those “smart” tracking apps last...

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RE: Insurance tips for my vintage ride needed

Paper copies have saved my bacon more than once, especially on long trips where cell service is spotty. I keep a folder with my insurance, registratio...

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RE: Deductibles and premiums—what's the real deal?

Yeah, it’s wild how even a tiny scrape can set off a chain reaction with all those sensors. I’ve had to replace a side mirror once—thought it’d be che...

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RE: Insurance paid way less than what it cost me to replace my roof

- Couldn’t agree more about the fine print. I’ve been on a few cross-country trips where I thought my rental car insurance had me covered for literall...

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RE: What happens if your rideshare app is between trips and you get into an accident?

Honestly, I get why everyone says you need that rideshare add-on, but it’s not always as black and white as the insurance companies make it sound. Her...

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