why is picking insurance coverage such a headache?

Totally get where you're coming from. Last year, I spent hours trying to figure out if I needed comprehensive coverage or if liability was enough. Felt like I needed a translator just to understand half the terms they threw at me. Eventually, I ended up calling my agent and asking them to explain it all in plain English. Turns out I'd been paying extra for roadside assistance when my credit card already covered it - who knew?

Honestly, the best thing I've learned is to review your policy line by line once a year and ask questions about anything unclear. It's tedious, sure, but it saved me from paying for stuff I didn't need. Also, don't be shy about shopping around every couple of years...sometimes loyalty doesn't pay off as much as you'd think.

I feel this so much right now. Just got my first car and spent an entire weekend buried in insurance jargon - felt like studying for a test I didn't sign up for. Still not sure if I picked right, but your tip about reviewing yearly sounds smart...guess I'll add that to my calendar.