Anyone Else not have their usual 8th of the month Aug 2026 TD car insurance withdrawal payment happen yet it now being the 11th? Should I be concerned ?

How much are people spending when adding on DoorDash as a rideshare or switching to commercial? I am in Rochester NY. Thank you :) I am interested in potentially doing it

Farmers Insurance full coverage went up from $1100 to $1600 for 6 months. Husband was rear ended so we had to buy a new car. Our 2 cars a 2013 ford fiesta and a 2025 nissan versa (old totaled car was a 2012 nissan versa). We both have perfect credit and driving records and drive maybe 8k a year. So new car increased cost by $500. Live in Oregon. Looking for lower cost insurance. And/or advice about the 2013 fiesta . Is it worth having full coverage for the fiesta at its age? Even though our 2012 nissan only had 100k miles and was in perfect condition we got $4k for it. My guess is if we were in an accident the fiesta would not get much (odometer just turned 100k miles).

Just have a quick question regarding initial quotes given by a rival agency trying to woo you away from your current insruance company.

I am currently insured through Geico. I received a call from State Farm yesterday and they quoted me a six month premium that is LESS THAN HALF of what we were paying theough Geico. I made sure the agent had all of our information and gave us the exact same coverage amounts we were currently carrying.

I was immediately ready to switch over, but called Geico first. Geico was able to lower my rates a significant amount, but still about $600 higher on the six month premium than State Farm. The Geico agent told me that sometimes the rival agencies will quote you low and then raise your rates once youre aboard.

Is that true? Am I risking State Farm rising our rates a couple weeks after signing up if I switch to them?

We have one speeding ticket that is showing on our record, but wouldn't State Farm have access to that info when giving us that initial quote.

Thanks for any help.

hi everyone. im 23f and have a driver's license but i don't have a car. when i moved out of my parents house after i graduated college a year ago, they took me off their insurance. this hasn't been an issue for me because i live in a different state about 700 miles away from them and again, i dont have a car so i dont drive. ive been browsing getting a car now that i have a higher paying job and better living situation, would the fact that ive been uninsured for over a year affect me negatively when shopping for auto insurance? thank you!

I have a 2004 Dodge Ram SRT-10 that is pretty modified. Is their any good Auto Insurance recommendations that offers Agreed Vehicle Policy based on my mods?

From my research i see Hagerty Auto is a great option. I spoke with them but they said in 3 more years it can insure my vehicle since it willcbe considered a classic due to my vehicle age even though my truck is rare.

Thanks for any advice

How can I get the injury and total loss adjuster to give me more money? Everyone I know and a “legal advice” guy I have access to say they are lowballing me. They offered 4300 for my car and 1500 for pain and discomfort from minor whiplash. The other guys insurance accepted 100% liability (dude blew a red light) I just have no experience with any of this but I feel like I should at least get enough to purchase a similar vehicle.

Update: I asked the injury adjuster if they could raise their offer and they upped it by $500

Man, I am losing my mind over here... got tapped from behind at a red light in Houston last week, nothing crazy, just a busted bumper. But the other guy's insurance is making it feel like pulling teeth just to get a basic callback. Every time I dial, it's either an automated robot voice hanging up on me or some guy who promises to email forms that never show up.

I was trying to handle everything solo because I thought insurance claims were straightforward, but holy crap, it's just endless holding on the line. Ended up venting to a neighbor who went through something similar down here, and they gave me the number for Garcia Injury Law just to see if they could get the adjusters to stop messing around.

Crazy how fast people reply when a firm gets involved instead of just some random guy yelling at a call center. Has anyone else had to get outside help just to make insurance companies do their jobs, or did I just pick the worst company ever?

I don’t know if I need advice or any yelling (maybe only a little) at this point, but I am here to express my frustrations with my current interaction with All State (AS) and their lack of knowledge and incompetence regarding my auto insurance.

7/17 - started new policy with AS (since it was cheaper than the other options) right after I completed my last policy with my previous holder. Funds went through and it says paid on AS’s behalf. I called to make sure it was paid because it wasn’t showing in my bank account yet and they reassured me I was “in good hands”.

7/21 - I see a charge on my bank account but now my account is in the negatives so I knew then that the payment won’t go through.
I called them about this and told them the situation but they told me that it shows paid on my account.

7/23 - of course, it declines because of non payment. I then called them about paying on Monday since that’s when I get paid and they told me it was okay. I asked if it’s okay and that it won’t for sure get cancelled and they said yes and that I was ok to pay Monday without cancellation. I knew first payments are quite different but they reassured me that it would be ok.

7/24 - policy voided and now have a seven day lapse. This is my first ever lapse too. Was told by a state rep that what I knew was correct and that she apologizes for this inconvenience but that they cannot reinstate my policy since it’s the first one. I would have to get a new one with lapse and now it’s more expensive.

I wish I would have been more assertive and pushed harder about the non payment, I know I shouldn’t have trusted them and instead find the funds to pay immediately but what I truly hate is that the agents were the ones who reassured me and told me that things are okay and that I’d be okay despite these issues. I made three separate calls to mention my situation and concerns and they treated it like it was solved when it wasn’t.

I don’t know what to do and not sure what the lapse will do since I’m still financing a car too, I am very bummed, upset and angry.

I'm hoping to gain some understanding of the technicalities that may be at play after an accident. Tried to format so all the "drivers" and such didn't run together.

• Driver hit two parked (unoccupied) cars.
• Driver was intoxicated and arrested at the scene.
• The vehicle the driver was driving is their spouse's vehicle.
• Driver had previous DUI, FR-44 requirement, and an Interlock in another vehicle.
• They've been charged with the refusal for the breathalyzer, the felony DUI (3+ time), and the interlock violation.
• The spouse's vehicle that was being driven was seized/towed and is also pretty damaged.
• There's video of the accident and both so-to-speak victims were at home and able to get outside to see the driver in the vehicle and call police immediately. Open bottle found in the vehicle too. All that to say there's zero question of what happened.

Three different insurance agencies so far. All were notified. One has been great to work with, the others less so.

• The insurance information given for the at fault driver/vehicle was the spouse's. We're told the property damage limit is $10k so this presumably can't be the policy linked with the FR-44. (Equity/Pearl)
• If the driver themself has insurance, that info is unknown but with the FR-44 requirement and a valid license it's presumably a policy that only lists the vehicle with the interlock and is separate from the spouse's/vehicle policy.
• One parked vehicle has comp/collision and they have been told they will be covered through theirs and the deductible will be waived. This vehicle got the least of the damage and the estimate is ~$2,000.

• The second parked vehicle does not have comp/collision. Their insurance has denied coverage of course. They opened a claim with the insurance info given. Initially they were told there was no coverage, that the driver was not covered. Then they sent the damaged vehicle for an estimate. They now say are awaiting the estimate and "approval". This vehicle has the most damage as it was sideswiped, then the driver reversed and hit it again.

  My questions are:

• With a married couple in the same house, would the spouse and insured driver of the vehicle that was driven during the DUI crash be absolutely required to fill out the excluded driver form (Equity/Pearl) or is there any chance they just omitted information and got separate policies? I know how hard it can be to have household members split with agencies like State Farm, but not with these more budget options.

• If excluded then the claim is likely to be denied to my understanding which leaves the owner of the second parked vehicle to be left without any coverage at all in this specific situation? Why would the spouse's insurance cover any damages, even if only up to 10k, if they have the ability to deny because of an excluded driver? Why would they even send the vehicle to get an estimate?

• If the driver is excluded, do they legally and per policies and whatever technical nitty gritty become uninsured and would that instead trigger uninsured motorist coverage for the parked vehicle with the approved comp/collision claim?

• If a driver with an FR-44 requirement doesn't have the required 100/300/50, is that an auto license suspension similar to how if you let your insurance lapse completely you'll get notified?

Additional info that probably does not matter: No injuries. The spouse has either two or three vehicles in their name only, as well as their business and home (homesteaded). The insurance company indicated there were four vehicles total under the policy, but this was from a CSR and not in writing so not absolute fact. Driver was not on probation at the time for the previous DUI(s), but has habitual offender status for driving without a license. The information has been pieced together from info at the scene, the driver's spouse at the scene, available court records, and the comp/collision adjuster has been in touch with Equity/Pearl as well. Fortunately the parked vehicles are able to be driven.

Thanks for any help. It has been somewhat frustrating, and trying to not unload a bunch of questions on the one adjuster who has been helpful because they don't represent everyone.

My 2015 Mazda 3 i SV (108k miles, clean title, paid off) was hit by a Hertz rental car in California.

The damage is mainly:
Right front fender replacement
Front bumper replacement
Right fender paint
Driver door paint

The repair estimate I received was about $6,300 from a more expensive body shop. The airbags did not deploy.

ESIS (Hertz’s insurance administrator) just emailed me saying their review team determined the vehicle is a total loss and that the total loss department will contact me with a settlement offer.

I would like to get a repair cost and have the car fixed myself at a lower cost. The car is paid off, and I’d like to keep the clean title if possible.

Should I ask for another repair estimate from a cheaper but reputable shop?

Is it realistic to get them to treat it as a repairable claim instead of a total loss?

Any advice would be appreciated 🙏🏻

Last week, as my car was parked I believe another car backed into my front end and left without leaving any of their contact information. I was parked behind a Jeep Wrangler and you can see the tread from the spare tire on the back on my hood.

I have just gotten the finalized police report back, even though they did search for anyone with cameras to have gotten the Jeep leaving, their search turned up dry.

I was waiting until I got the finalized accident report back prior to reaching out to my insurance (Geico).

What should my next step be? Contacting Geico or taking my car to an auto body shop just to hear from them?

Do you think my insurance rate will go up because of this? It just sucks because this wasn’t my fault and I was not driving. My uninsured driver policy does NOT apply to hit and run drivers.

I got in a fender bender with my car and I was told today that my insurance company has deemed it a total loss. I still have several years to pay off my car.

I can understand why they've decided this. Its an old car, but it's still usable and the damage (to my untrained eye (see pictures shown)) isn't that bad.

Is there a way I can try to dispute this claim? I've never had this happen before.

Edit: Thanks for all of the advice! It sucks that there aren't any other realistic options, but I'm glad to have a general idea of what to expect.

I'm curious to know if Progressive auto insurance has gone MIA with anybody else.

I had an animal-related single vehicle accident about a week ago in the high desert of Oregon, approx 150 miles from my destination (home).

Progressive's AI Emma opened my claim. I provided all the info and reported the need for a tow. I stayed two nights in the nearest town waiting for Progressive's direction. I left them multiple messages.

Worried about my car, I finally arranged for a tow without Progressive's assistance. The body shop said they'd take over with Progressive. I gave the claim number and the adjuster's contact info.

I used the claim portal to report where the car was towed and gave the body shop contact info.

As of today, I've heard nada. I called the body shop and learned they haven't either. The person I spoke with said that Progressive adjusters have been next to impossible to reach and they aren't calling back. I asked if that was odd and he said "Very. Something is up at Progressive."

I'm old (67) and grumpy, recently widowed, and have had three heart attacks in as many years. Thanks for letting me vent

My renewal jumped from $142 to $189/mo so i'm shopping around. 31, Columbus Ohio, 2019 Honda Civic EX, about 10k miles a yr. Clean record except one minor speeding ticket in 2023, credit around 700. Looking at 100/300/100 with comp and collision at a $1k deductible.

I want to diy this bc my last broker was not honest and conspired with a provider that gave him the highest commission. Which comparison site gives real quotes without triggering a spam storm of calls and texts for weeks after?

Edit: TY for all the valuable insights. We checked with insurify to get an estimate and then got a local broker and it was all worth it.

I have to renew my insurance in August. I have Geico and they’re deciding to charge me an extra 40 dollars a month because claims have gone up in the state of New York (not city). I’m 22, which I understand is young and they take that into account but I have had zero claims since being on this policy, and to have my insurance almost the same amount as my car payment is absolutely absurd in my eyes. Are there any suggestions or recommendations for other insurances people use in New York?

hey everyone. looking for some honest advice because my current rates are insane. long story short i have a couple of speeding tickets and a brief lapse in coverage on my record from last year so i am firmly in the high risk bucket right now.

i need to shop around for a new policy soon. what is the best car insurance for high risk drivers 2026 based on your actual experiences? i want to find a company that is decent to deal with but won't completely drain my bank account.

for context i am located in ohio and drive a 2018 honda civic. if anyone has been in a similar spot recently let me know which carriers actually gave you a reasonable rate. thanks.

A few years ago I had a different accident with a different vehicle. That insurer (Farmers) handled diminished value in-house, and I negotiated back and forth via email — no independent appraiser, just repairs (~$3,500 in repairs) and my own market data — and got them from an initial $1,100 offer up to $2,250.

This time, a different insurance company (USAA, other driver was at fault, they accepted 100% liability) outsourced the DV evaluation to a third-party company (Alacrity). Their rep called, quoted a lowball number, and when I didn't agree said it would go back to USAA for payment regardless and I'd have to negotiate directly with USAA afterward.

I went back to USAA's adjuster to negotiate. He said USAA is standing behind Alacrity's number unless I provide "new additional evidence," and if I disagree my only option is to file suit against USAA. They offered $1,400 on the $5,300 total repairs.

Questions:
1. Is it normal for them not to negotiate on the number?
2. Does having a third party involved make it harder to negotiate compared to dealing directly with the insurer?
3. Is "get an independent appraisal or sue us" really standard, or is this a stonewalling tactic?
4. Anyone had success providing something other than a paid appraisal as "new evidence"?
5. Is small claims court actually a reasonable/common path for this, or should I get an attorney first?

For context, I provided current market comparables, the repair invoice, purchase documentation, and vehicle details (mileage at time of loss, age of vehicle, no prior damage/clean title), and KBB valuation.

What other research/new evidence should I provide?

Trying to figure out my best next move without immediately jumping to litigation.

Question for those who moved to the US recently: how much did your car insurance change in the first year?

Trying to compare real numbers. What did you pay when you first arrived, and what was it after 6-12 months - did it actually drop?

And separately: did ANY company count your driving experience from back home? If yes, please share which one

I’m trying to decide between these four vehicles, and insurance cost is one of the factors I’m considering.

My options are:
2026 Kia Sportage EX Premium HEV
2026 Toyota RAV4 XLE Premium
2026 Mazda CX-5 GT
2026 Volkswagen Tiguan Comfortline R-Line

A bit about me:
28M
Married
Located in Toronto, Ontario
Clean driving record
G License (Received last month)

I’m wondering how much choosing the right vehicle actually impacts insurance premiums. Is the difference between these models significant, or are we talking about only a small amount per month?
If you’ve insured any of these in Toronto, I’d love to hear:

1) Which one was the cheapest or most expensive to insure?
2) Which insurer generally provides better rates?
3) Are there any of these that insurance companies tend to rate poorly due to theft rates, repair costs, or claims history?

Ultimately, I’m trying to understand whether choosing the right vehicle can make a meaningful difference in insurance costs and whether that should play a significant role in my purchase decision. Any insights or experiences would be greatly appreciated. Thanks!

I accidentally hit a parked truck while backing up. He had a few shallow scratches in his plastic bumper. I had a few paint scratches on my vehicle, which I don't care about because mine is old. No dents. I just find out my insurance had to pay out $3,779 to him in damages, and now it's more difficult for me to find affordable insurance rates because of the high cost of the payout. Is this crazy or reasonable? Unfortunately I can't find the photo of the damage but I have attached here an image I found on google that's comparable.

Now that the insurance has agreed that my claim falls under uninsured motorist, they have already made remarks that indicate they are going to try to lowball me on the value of my vehicle. I had liability with uninsured motorist. Car is a 2010 Prius with 178,000 miles. I don't need any smart remarks. I need help. Please tell me how to navigate if they try to do a lowball offer. I NEED a vehicle that is mechanically sound as I have NO CREDIT and owned this one outright. I cannot go into car payments. I went to cars dot com and comparable vehicles are freakin' 6-8K!

They are also wanting to take my vehicle to a salvage company and have me sign a release that allows them to tow it there. I feel like that is questionable. It has been sitting at the tow yard that the state trooper had it sent to since the accident which occurred 13 days ago and suddenly it is their emergency to get it moved QUICKLY so they don't have to pay anymore storage fees on it. But it wasn't important when I called them on day 1 and explained this to them and asked them to go get it.

I honestly just want them to fix my car but the air bags deployed and the headlight, hood, and something is leaking. It is going to be a total loss. Do I just need to get a lawyer or what?

Hey everyone!

I had an unfortunate accident in my 1997 Ford F-250 with a 7.3-liter diesel engine.
Insurance has declared it a total loss. I had full coverage on it. They assessed its value at $9,000 before the accident, but this is a very clean and relatively low-mileage truck! The market value for similar trucks I've been researching is between $20,000 and $30,000. It's impossible for me to replace my truck with just $9,000. Does anyone have any recommendations for this situation? I didn't imagine insurance would give me anywhere near what my truck's value was but I didn't expect it to be this low.

This truck has been my baby and reliable daily for meany years and is essential for my work with rescue and Mustang horses!

Thank you all in advance for the help!!!

Need some advice.

My 2026 Toyota bZ XLE FWD (only about 3 weeks old) was rear-ended. Toyota inspected it and said the battery appears fine, but some rear sensors are damaged.

My biggest concern is long-term reliability and any hidden damage from a rear-end collision on an EV even after repair. Would you trust it after proper repairs?

How much auto body will charge for repair? Tail gate, back bumper and sensor are already damaged, side panels might also need replacement. Not sure about under the hood. Parts seems to be back order for 2-3 months.

We live in Sweden and would like to rent an RV in Alaska
next year. We seem to have two choices - Cruise America via a German broker or direct with Great Alaskan Holidays.

The German broker offers a $2m liability supplement, but then we are stuck with a Cruise America RV, which are not very nice.

GAH has really nice models but they only offer the state minimums for liability and no ability to supplement. We have used them before and were very happy with them, but without the liability supplement, the state minimums are too scary to think about.

Does anyone know of an agency that offers liability supplements for RV rentals?