is it really worth shopping around for better quotes?

Can relate to that roadside assistance fiasco—been there, done that, waited forever for a tow truck. 😅 A few things I've learned from shopping around:

- Loyalty means zilch to insurers; sad but true.
- Saved about $150/year switching once, but had to triple-check the fine print (lesson learned from a friend who got burned by "cheap" coverage).
- Forms suck, but honestly, an hour or two of hassle every couple years beats overpaying for nothing.

Bottom line: worth it, but read carefully and trust no one.