I've noticed that too—sometimes those smaller insurers can surprise you. One local company here gave me a quote way lower than the big guys, even thou...

I feel you on that one. Had a similar experience myself—thought telematics would be the golden ticket to proving I'm not some reckless driver, but it ...

Good point about deductible reduction programs—I looked into those too, but found they're not always available everywhere or with every insurer. Plus,...

I get the point you're making about location, but from my experience, driving record still seems to carry a bit more weight. A couple years back, I mo...

Cash isn't always a total loss though...I dropped my wallet at a gas station once, and yeah, the cash was gone, but at least my cards weren't compromi...

Haha, yup, learned that lesson the hard way too. Another trick I've found helpful is shopping around every year or two. Loyalty doesn't always pay off...

I get the appeal of higher coverage, especially if you're new to driving or have a pricier ride. But personally, I've always gone for something in the...