u/SUBUKL

After my insurance company West Bend decided to almost double the premiums over the last two years I decided to go with Cincinnati Insurance and save about $700 per year. My experience with West Bend was really good over about 12 or 13 years and I did not really want to leave them. So this is just a money decision, but I still wanted a good insurance.

Now I was reading through some posts here and found really negative comments about Cincinnati - especially over the past year or two. Mostly about them not paying, dragging their feet, deciding on their own that people are at fault (car accidents), although it was not already determined, they are not at fault... etc.

My insurance agent told me, they are really great..... and now I am wondering, did they change for the worse over the last year or two? Would love to hear some opinions.

Have read that splash guards are useless? Why? Had them on my old Forester for 11 years and they caught a lot of the snow and dirt ..... I like the looks and how sturdy they are.

So why should I choose mudflaps and not splash guards?

Forgot to have them put on when I bought my car and plan on doing it before winter.

These are three questions about my 2023 Forester Touring (own it for about 2 weeks now)

1) AC

Every so often, the AC turns on and blows very cold air without me turning the AC on. Today it happened again in 45F weather. And I CANNOT turn it off! So that is getting on my nerves..... There seems to be a setting that turns off the automatic AC when the car thinks, it is too warm. Dealer turned it off a week ago. Together with the hand-sign AC feature. But today AC turned itself on again.
I do not like it .... would anyone know, what might cause this and / or what I can do about it?

2) Eyesight

Often times - just a few minutes into the drive - the eyesight turns off (no bad weather, no sunny weather, no hot weather, no fog, windshield is clean...). Usually comes back on after restarting the car. Today not - but will see later after work. Not sure, what to do about it - or if anything can be done at all.

3) Automated engine on-off feature

Not that I am a big fan of the automated engine-on and off at the traffic light, stop sign etc. But tried it and what I noticed is this: the feature does not work consistently. Most of the time, the engine does NOT turn off. Until it does. Just want to understand why it sometimes works and often not?