Car insurance discussions and local services.
zeus_wood
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Topics and replies this member has contributed.
RE: Why does my zip code make my car insurance so expensive?
Seriously, this hit home. I just got my first policy and nearly choked on my coffee when I saw the quote. My car basically has more locks than Fort Knox, but apparently my zip code is “high risk.” Meanwhile, my buddy two...
RE: What happens if your rideshare app is between trips and you get into an accident?
Man, this is exactly the kind of stuff that makes my brain hurt when I’m trying to figure out insurance. I swear, I thought “full coverage” meant, you know, *full* coverage... but apparently not if you’re chilling in you...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I swear, every time I get one of those “save $500!” mailers from the big guys, I end up with a quote that’s somehow more expensive than what I’ve got now. Maybe it’s my luck or maybe they just know I’m clueless and will ...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I just bought my first car a couple months back, and honestly, the whole “permissive use” thing makes my head spin. My cousin was like, “Hey, can I take your car to Target?” and I’m standing there trying to remember if I...
RE: What happens if you only carry the bare minimum car insurance in Florida?
Tell me about it. My buddy tapped a curb with his 2021 sedan and somehow the bumper, two sensors, and his wallet all needed “replacing.” I just bought my first policy and nearly choked at the price for “bare minimum” cov...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I just got my first policy last month and honestly, I was half-expecting someone to show up at my door with a clipboard, ready to quiz me about every mile I’ve ever driven. Turns out, they just took my word for it - no o...
RE: What happens if your rideshare app is between trips and you get into an accident?
Man, this is exactly why I spent an hour on the phone with three different insurance agents last week and still felt like I needed a law degree to understand what they were saying. One guy literally told me, “Well, it de...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
Man, I feel you on the “standard coverage” surprise. I thought I was a genius for picking the cheapest plan, then my car got rear-ended and I learned “liability only” is basically insurance for everyone but me. Comparing...
RE: Why Is PIP Mandatory In Some States But Not Others?
Why Is PIP Mandatory In Some States But Not Others? I’m in Texas and just bought my first policy, so I spent way too long googling all this stuff. The “no-fault” thing makes sense, but honestly, it feels like a game of ...
RE: Classic car insurance and the annual mileage cap - worth it?
I’m right there with you - just got my first classic and the mileage cap feels like being on a diet at a buffet. I keep thinking, “Do I really want to burn miles on a coffee run?” Not sure I’ve got the willpower for this...
RE: is accident forgiveness really worth it in Ohio?
I get where you’re coming from, but I actually went for accident forgiveness on my first policy. My thinking was, with my luck, the first time I try to parallel park in the snow, I’ll end up using someone’s bumper as a s...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? I get where you’re coming from, but I’m still on the fence about shelling out more for extra medical coverage. Maybe it’s just me being stubborn (...
RE: How do they actually decide when a car is “totaled”?
HOW DO THEY ACTUALLY DECIDE WHEN A CAR IS “TOTALED”? Man, insurance math is a whole different language. I just went through my first claim a couple months ago and honestly, I’m still not sure if I did it right. My car’s...
RE: Little-known trick with Progressive’s roadside help
Haha, I feel this on a spiritual level. I swear those maps are like origami puzzles designed to make you look ridiculous in a parking lot. I just got my first car insurance policy and went with Progressive mainly for the...
RE: how bad would insurance spike after a DUI in Idaho?
Man, reading this thread makes me glad I haven't had to deal with this yet... I'm just shopping for my first policy now and already feel like I'm drowning in quotes. Good to know about the two-year mark though - guess pa...