Yeah, I get where you're coming from. The tech is supposed to make things safer, but it’s wild how one little sensor can cost a fortune to fix. I’ve t...

I get what you mean about the “just in case” fee feeling like wasted money, especially if you’re a careful driver. But honestly, I’ve seen first-hand ...

I hear you, but I tend to err on the side of caution. Even if there’s no visible damage, sometimes issues show up later—like a sensor or paint crack y...

Had a similar thing happen with my Civic a few years back—someone scraped the bumper and took off. I debated skipping the police report since it seeme...

I get where you’re coming from—phones are super convenient, but I still keep a paper copy of my insurance in the glove box, just in case. Maybe it’s o...

Haha, couldn't agree more. I've never had a black box myself, but years of paying my own insurance and petrol definitely trained me into driving like ...

PIP's handy, but I wouldn't call it totally hassle-free. Had a coworker who got rear-ended out of state, and while his PIP did cover medical initially...

Yeah, I totally agree about snapping a few quick pics—it's saved me more than once. A few years ago, I tapped someone's bumper in a parking lot; no vi...

Honestly, even minor inquiries can sometimes flag you as a higher risk—depends on the insurer. Had a friend who reported a tiny bump, no claim filed, ...

I've considered the cash-aside method too, but honestly, it always made me a bit uneasy. Had a windshield shatter on me once out of nowhere—just a ran...

Yeah, learned that the hard way myself. Few years back, a tree branch fell on my parked car during a storm. Thought I was covered since I had comprehe...

Yeah, totally agree—insurance logic can be pretty weird. We found the same thing; our newer sedan with collision avoidance ended up cheaper to insure ...

Yeah, I've heard similar numbers for other states too, though Mississippi does seem particularly high. Honestly, that's why I've always opted for unin...