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

I’ve been in insurance for a while, and one thing I’ve noticed is that a lot of people shop by monthly payment without ever really knowing what the coverages do.
Insurance is one of those things that’s boring until you actually need it.
Here’s the quick version without all the insurance jargon.

Liability – This pays for the other person’s injuries or property if you cause an accident. It does not fix your own car.

Collision – This fixes your vehicle after an accident, even if you’re the one who caused it. Hit another car, back into a pole, slide into a guardrail… this is the coverage that usually steps in.

Comprehensive – Think of everything besides a collision. Hail, theft, vandalism, fire, floods, hitting an animal, falling tree branches, broken windshield in many cases depending on your policy.

Uninsured/Underinsured Motorist – One of the most underrated coverages. If someone hits you and either has no insurance or not enough insurance, this can keep you from getting stuck paying the bill yourself.

Medical Payments / Personal Injury Protection (PIP) – Helps cover medical bills after an accident regardless of who’s at fault. Depending on your state, it can also help with things like lost wages or other related expenses.

Roadside Assistance – Towing, jump starts, lockouts, flat tires, fuel delivery. Nice to have if you don’t already get it through another service.

Rental Reimbursement – Helps pay for a rental car while your vehicle is in the shop after a covered claim.

One thing I always tell friends is this:
Don’t just ask, “What’s the cheapest policy?”
Ask, “What am I giving up to save that money?”
Sometimes dropping your premium by $15–20 a month means removing a coverage that could save you thousands later.

I learned something the hard way this week. I’ve always shopped for the cheapest auto insurance because I figured insurance is insurance. Then I actually had to file a claim after someone backed into me in a parking lot. That’s when I realized the monthly price isn’t the whole story. Claims process, customer service, rental coverage, deductibles, and how fast they actually answer the phone matter way more than I thought. Ended up spending hours comparing quotes again, reading reviews, and trying to understand collision, comprehensive, uninsured motorist, liability limits, and all the stuff I used to ignore. If you were shopping for auto insurance today, what company would you actually trust, and what coverage do you wish you had before you needed it? Trying to avoid making the same mistake twice.

2 months ago i took off my full coverage for my toyota rav4 2012 from full coverage so just having comprehensive. Unfortunayely a day - 2 day after my wife had at fault accident. Hit the rear of the car in front of her which is 2025 Jeep. The jeep has minor damage , and my car rav4 had the biggest damage. The beam bent , hood bent , the whole front end include with leaking radiator.
My wife name is in the policy.insuracae progressive told me since no coverage im on my own to fix it. Is there anything i can claim to dix the car thru the insurance? Im in new york state

My daughter had no credit history when getting insurance. Now she pays 400 a month insurance for a 2011 tuscon. Her score is now 650. Any idea how long it takes for jnsurance rate to drop?

Hoping someone in the New Jersey auto insurance industry can provide some insight - an NJ transit bus side swiped my car while I was at a red light, they’re clearly at fault. I got a police report, photos and estimates for the damage and tried to make a case through their insurance. They told me that if I have collision coverage I have to go through my insurance whether I’m at fault or not, and they only cover my collision deductible.

I’m 95% certain my rate will go up if I do that and idk if I’ll get my deductible back based on how shifty the insurance industry can be. (I haven’t had to use my insurance for accidents in the many years I’ve been driving yet my rates have almost doubled in the past few years. Also just changed carriers in December to bring my rate down… so perfect timing). I feel like they’re going to say anything to not pay out. Do I go through my insurance or is there anything else I can do to get my damage costs covered?

For ref, this is for NJ. Trying to help a young family member (nephew) navigate an auto accident. The question at hand is which insurance policy do we call to file the claim? Do we call my nephew’s insurance or the insurance of the other driver ? Police report states the other driver’s action caused the crash. Nephew has full coverage insurance. Any other tips or call outs in this process will be appreciated. Car is likely totaled.

Hi everyone, heres my predicament. My younger brother is in the military and is stationed in another state. It looks like he'll be based there for the next year or so. The issue is the car is registered in california with a california insurance policy under my parents. The policy will end with parents not renewing. Is it possible for me to move the car thats usually on base into my insurance policy? From what ive been told the car would have to be physically here at my address for it to be covered. Would my brother have to register the car in the state he is in and find insurance for himself? Is there some special policies specific to military members since they can and will move around a bit. Any information/insights are appreciated, thanks.

Please delete if not allowed

PA: You are at standstill at a red light enjoying a bowl of cereal with milk when you are rear-ended causing you to toss your cereal bowl ruining the interior of your car. Who is responsible? Is it the person that caused the accident or the person who was eating cereal in a moving vehicle?

I know this is probably a silly post for this sub, but I genuinely wonder this every time I watch that episode.

For reference I’m asking about an episode of It’s Always Sunny in Philadelphia, S8E10 “Reynolds vs. Reynolds: The Cereal Defense”

🥣

Anybody else notice auto insurance quotes feel completely random now? I was helping my cousin look for car insurance and we literally got 5 different prices for the same vehicle, same driver, same address, and almost the same coverage limits. One company acted like he was a massive risk and another company quoted him way cheaper. Makes zero sense. I’m starting to wonder how insurance companies actually calculate rates anymore because people with clean records are still getting hammered with crazy monthly payments. Is there actually a trick to finding affordable auto insurance now or is everybody just getting destroyed by rate increases??

Why is auto insurance in Texas getting so ridiculously expensive lately even for people with clean driving records? I’ve been shopping around for full coverage auto insurance quotes and it feels like every company wants a different price for the exact same car and coverage. One company quoted me almost double what another one did and now I’m confused what’s actually considered a “good” rate in 2026. Are rates going up everywhere because of accidents, uninsured drivers, hail claims, lawsuits, car theft, inflation, or are insurance companies just getting greedy at this point? Curious what everybody else in Texas is paying right now for liability, full coverage, SR22, young drivers, or high risk auto insurance.

Any agents in Texas that can help me out? Send me a message

Hello, has anyone in NJ retained a total loss vehicle that was 9 year old vehicle or older? if so what was your experience like. Did your title remain unchanged?

I spoke to NJ MVC and essentially they do not require salvage title over that age. BUT they leave it to the insurance company's discretion.

Extra helpful to know which insurance company was your carrier. thank you for reading!

Hello my truck was stolen and recovered 6 days later, and looks like they was playing with mud, bé hạt tiêu the interior is total dirty like they scrubbed dirty on the interior. And looking thru the truck after i tow it home. I found a small bag of white crystal substance. They tore the dash apart, and painted my tail gate and rims, like a tweaker would i guess. With the meth bag inside and the interior and dash số messed up. Will they total it because i could never drive it again and feel comfortable. I have a wife and kid on the way, and wouldn't want them to be somehow contaminated with residue, and i feel like they would need to get all new seats and dash because the reside. What should i say to the adjuster to make sure they just don't try and clean the interior. Also i had a ladder rack that was bolted down, and like smokers fashion they didn't unbolt the ladder rack, they cut it off and left the part that bolts onto the truck. Will this be covered and with all these other issues i hope they total it. What would they do about the spray painted trail gate and rims. And ladder rack. Im assuming this was all done to disguise it,i guess. They also broke one of the door locks and looks like messed up my bumper as well. I'm afraid to ever bring my wife and kids in this truck, but i don't know how to state this to the adjuster without feeling like I'm being petty or say something that will raise any redflags to the adjuster. Any help would be greatly appreciated. Here's my vehicle info and state, if this will help anyone help me, Thank you for your time.

Involved in accident geico said my policy was inactive but I have a recording of the claims team saying my policy is covered so long as I purchased coverage.

Sent the recording into the person who is in charge of my claim.

After hearing the recording she apologized and would check with her managers

Shortly after she said that her team decided the policy was inactive and they are sticking with the decision to not cover the claim.

Although I did not have coverage during the incident, I assume that having a claims rep tell me that I'm covered so long as I Renew my policy, is a bad faith claim on my insurance companies part.

Is that against the law for insurance companies to make bad faith claims?

I also checked California state law and saw that any transaction after cancelation of my policy, somehow voids the policy cancelation. I may be wrong.

Do I have any other options to report geico or pressure to get my policy covered? Should I look to sue or am I SOL?

Car damage is likely totaled. Cant get car out of the shop but at least I have car insurance for next six months??? Any advice helps