Car insurance discussions and local services.
zallen58
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Topics and replies this member has contributed.
RE: How did you feel after your first accident and dealing with insurance?
Yeah, I totally get what you mean about the detective hat. After my first accident, I felt like I was prepping for a job interview every time the phone rang - had to have all my notes and paperwork ready or risk getting ...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, I get what you mean about the upsell vibe. I drove for Lyft for a bit and honestly, I skipped the gap coverage at first because it felt like just another way to squeeze more money out of me. But then I had a fender...
RE: Do you really need extra insurance for a rental in Montana?
I get the logic behind paying extra for peace of mind, but honestly, I’ve started skipping the extra insurance lately. I know Montana roads can be rough, but I feel like the rental companies are just banking on people’s ...
RE: What happens if you only carry the bare minimum car insurance in Florida?
Yeah, I get where you’re coming from. I’ve had to stick with minimums before just to keep my car on the road, but it always made me nervous. Like you said, - it’s wild how fast those bills add up. I do think the state m...
RE: Classic car insurance and the annual mileage cap - worth it?
Mileage caps just stress me out, honestly. I get that it keeps the price down, but I’ve had my share of “oops” moments with regular insurance and they’re always looking for a reason to hike up the rate or deny a claim. W...
RE: is accident forgiveness really worth it in Ohio?
I totally get where you're coming from. I skipped accident forgiveness too, mostly because my rates are already high enough with a couple tickets on my record. Every little add-on just feels like one more way for them to...
RE: USAA vs State Farm: which claims process is less of a headache?
Honestly, I get where you’re coming from. Tech just seems to bail when you need it most, right? I’ve tried USAA’s app a couple times and, yeah, it froze up on me once while I was stuck on the side of the road. But the ph...
RE: How do they actually decide when a car is “totaled”?
Man, I totally get the frustration. Had my old Corolla totaled a few years back after a fender bender, and it stung. I’d just put new brakes and tires on it too. Didn’t matter at all - insurance just looked at the number...
RE: Why can’t I use my points AND a coupon at checkout?
Man, I’ve had the same thing happen at the pharmacy. Thought I was being clever stacking a coupon with my points, but nope - computer just said no. I swear they design it to trip us up. Sometimes I just grab the sale stu...
RE: Finally figured out how to stop worrying about roadside help running out
Honestly, I wouldn't stress too much about it. I was in the same boat when I first got my policy - skimmed right past all the fine print, figured roadside was just roadside. Learned the hard way after getting stranded wi...
RE: anyone else feel like AAA insurance isn't what it used to be?
Honestly, I've never really minded waiting a bit longer if it means saving some cash. AAA might be slower lately, but the price is predictable and fits my budget. Tried an app once - yeah, it was faster, but the surge pr...
RE: Scored a Sweet Auto Insurance Deal Thanks to My Military ID
Yeah, I get why insurers can be picky, but honestly, sometimes it feels like they're just nitpicking to hike up premiums or dodge payouts later. Had a similar thing happen with a tiny dent on my fender - barely noticeabl...
RE: saving cash on insurance when you're young and broke
Been there, done that - only mine was totally my fault, lol. After a fender-bender in my early 20s, my premiums shot up like crazy. Ended up raising my deductible to keep monthly costs manageable, but man...it was stress...
RE: is accident forgiveness really worth it in Ohio?
I see your point, but honestly, it depends a lot on your driving record. I've had a couple speeding tickets myself (nothing too crazy, just a bit of a lead foot...), and after one minor fender bender, my premiums shot up...
RE: does your car insurance cover friends borrowing your ride?
Yeah, that's pretty much how it works in most states, not just Illinois. Found that out the hard way myself a couple years back when my buddy borrowed my car and dinged a mailbox (don't ask...). My insurance had to step ...