Raising deductibles helped a bit, but honestly, after two fender benders last year, my rates shot up anyway. Telematics just makes it worse—like, what...

Been there, done that—got pulled over once with a dead phone and no paper insurance. Cop wasn't amused. Now I keep a printed copy in the glovebox...te...

- Good points, but honestly, reporting every minor tap seems a bit overkill to me. - Had a similar thing happen last year—barely touched the bumper of...

- Took the course last year, instructor didn't say squat about older cars or missing safety tech. - Honestly doubt insurers care much about training i...

- Honestly, if your classic car sits untouched for weeks at a time, driveway or not, maybe it's time to rethink things. - Cities cracking down isn't t...

- Skip the online maze, seriously. - Call a local insurance agent directly—saved me hours. - DMV's good for basics, but agents know SR-22 inside out. ...

- Good question, honestly doubt most regular insurers do much beyond ticking boxes. - Had a buddy deployed overseas, and when he called his insurer ab...

Good points, especially about the thermostat—had one fail on me once and it was a nightmare. Couple other things I'd add from experience: - Check you...