Auto insurance??

[J White]

Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal. For example, if you are driving and hit a deer, the damage would be covered under comprehensive coverage. However, if you swerve to miss the deer and hit a tree, comprehensive coverage doesn't apply because this type of accident is considered a collision with an object.
Comprehensive coverage is an optional coverage you can carry to help protect your vehicle. Unlike some coverages, you don't select a limit for comprehensive. The most it will pay is based on the actual cash value of your vehicle. You will be responsible for paying your selected deductible.

Thanks for the explanation. You can roll those phrases out like an insurance salesman
Seriously though, thanks.
The actual cash value - thats where I can see the problem arising. I drive old stuff I keep forever. Have a 1982, 1998, and 2002 in operation now.
I guarantee you I would not sell for what ins co says they’d be worth!


Sent from my iPhone using Crappie.com

[Micanopy]

Shop it out. They jacked you figuring you wouldn’t do anything about it.

[CrappiePappy]

I've seen "suggestions" online about changing insurance coverage EVERY OTHER YEAR ... to get cheaper rates, better coverage, etc. But they also say to check with at least 3 different companies annually vs your current insurer (price comparison shopping, as it were).

I had Progressive for many years & never had to file a claim, yet the rates increased yearly (on the same vehicle). I switched to Geico for a slightly lower rate several years ago, but their rates also climbed yearly. When a storm blew a tree down on my truck & totaled it, Geico gave me $13K for it (& I paid $17K for it about 10yrs ago). It was a 2006 Tundra, and has been replaced with a 2010 Tundra for $15K. And of course the insurance is higher, because the truck is newer, but I'm betting the value of this truck is less than my 2006 Tundra (much higher mileage than the 2006, which was the major factor in my getting the $13K for the totaled vehicle).

This is not an endorsement for either Progressive or Geico. Just adding another company to check with (Geico) and see where it stacks up against the others mentioned.

[DockShootinJack]

There is a recall on certain models to get the anti-theft software upgraded.


Sent from my iPhone using Crappie.com

Yes. We have checked into it. Then checked with the insurance to see if premiums would go down once done. You can guess the answer

[Slabprowler]

Wifey would be driving something else !
Or peddling a bicycle

[KennethLester]

If you're looking for insurance recommendations, I'd suggest considering established companies like Allstate or Geico. They have a long-standing reputation in the industry.

[wannabe fisherman]

I find that changing companies every few years will save you money. Every year your rate goes up, but when you change companies you get the "new member rate" which goes up every year. but still lower than your present rate. After a few years shop around for the best rate on the same coverage again. OH and check the companies service ratings.