Car insurance discussions and local services.
zeldadust1
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RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Title: Weighing legal trouble vs. losing trust: which is worse after fraud? That shadow from a legal record is no joke. Years ago, I tried to get classic car insurance after a minor incident - nothing criminal, just a p...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
That’s a smart move keeping track of your mileage. I’ve had insurers ask for odometer readings out of the blue, especially when I had my old Mustang on a limited-use policy. They really do seem to care more about how muc...
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.
That’s a tricky call. Like you said, I tend to err on the side of caution, especially with unpredictable weather these days. Curious if anyone here has ever actually come out ahead by keeping comp on an older vehicle? O...
RE: stuck between Geico and Progressive in NY, thoughts?
I hear you on the “not effortless” part - insurance always feels like a gamble, doesn’t it? I’ve had both Geico and Progressive over the years (switched back and forth depending on the car), and honestly, the out-of-pock...
RE: Which is better for SR-22 in ND: local agents or online companies?
I hear you on the peace of mind part - having someone local just feels safer, especially with something like an SR-22. I had a claim a few years back (not SR-22, but still a headache), and my agent actually walked me thr...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I’ve wrestled with this exact dilemma, especially since I’ve got a couple of older cars that aren’t exactly cheap to fix if something goes wrong. There was one year I bumped up my deductible thinking, “Hey, I drive caref...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I get why insurers lean on those stats, but as someone who babies a classic car, it does feel a bit harsh. Wonder if these city regulations will actually reduce risks or just complicate things further for responsible own...
RE: Just saved a chunk of cash on car insurance after defensive driving course
I can definitely relate to the sensor frustrations. My car doesn't even have those fancy modern sensors, but I once rented a newer model on a business trip, and honestly, it felt like driving with an overly anxious co-pi...
RE: how bad would insurance spike after a DUI in Idaho?
While I agree that loyalty doesn't often pay off with insurance companies, I'm not entirely convinced that immediately switching insurers after a DUI is always the best route. From personal experience - though thankfully...
RE: What Happens if You're Labeled a Risky Driver by Insurance Companies?
I can definitely relate to your experience. A few years back, I had a minor scrape on my classic Mustang - barely noticeable, but enough to bother me. Like you suggested, I documented everything meticulously, even noted ...
RE: Tried temporary insurance coverage - worth it or waste of money?
Couldn't agree more with this sentiment. As someone who regularly drives classic cars, I'm always hyper-aware of potential risks - especially when weather conditions aren't ideal. Temporary insurance has saved me from a ...
RE: FINALLY FIGURED OUT HOW TO BALANCE MY DEDUCTIBLE AND PREMIUM COSTS
That's a good point about driving habits potentially shifting the risk calculation. I've found myself reconsidering my deductible every couple of years, especially as my classic sees less frequent use now. Even though I ...