Finding decent car insurance deals on the islands—my step-by-step

But then again, I’ve got friends who swear by their cheap policies and have never had an issue. Maybe it’s just rolling the dice? Or maybe my cars are cursed.

- Honestly, I think a lot of it *is* luck. I’ve had “budget” coverage for years and only needed roadside once—response time was under 30 minutes, no drama.
- Premium plans sound great, but sometimes you’re just paying for perks you might never use.
- Agreed value is a must for classics or anything rare, but for daily drivers? Not always worth the extra cost.
- The commercials are hilarious though...never seen anyone on hold in those ads, just smiling people and talking animals.