That’s pretty much how I look at it too. I went with full coverage for my first car, even though it was a bit older, just because I knew I couldn’t af...
Yeah, that’s the part that always gets me too. You’d think “nicer” would mean safer, but insurance companies see it differently. They’re all about ris...
That gap is honestly one of the most confusing parts of driving for these apps. You’re right, umbrella policies almost never fill that hole—learned th...
I hear you on the rates. I used to carry just the minimum too, but after a buddy totaled his car and still owed thousands out of pocket, I bumped mine...
Yeah, it’s wild how insurance doesn’t really scale down with the age of your car. I get frustrated too—my old Civic’s worth less than my phone at this...
Honestly, that’s probably the smartest move. South Dakota does allow digital proof, but I’ve heard stories about officers in rural areas still wanting...
You nailed it—real driving isn’t some perfect simulation. I’ve had telematics ding me for things like slowing down for a school bus or dodging a potho...
I get where you’re coming from, but honestly, I don’t think AAA is that much worse than anyone else these days. Like you said, and I’ve noticed the s...
You're spot on about the stress factor. Had a similar experience myself—got rear-ended at a stoplight a few years back. Thankfully, I'd opted for dece...
I get what you're saying about smaller companies, but I'd be cautious about automatically assuming they're always better for high-risk drivers. In my ...
Good point about the radiator. I've had a couple older cars myself, and hoses were rarely the main culprit when overheating kicked in. Usually, it was...
I hear you on the parking anxiety, but honestly, insurance isn't always the best fix for minor scratches. Even with a good company, filing small claim...
I've had Erie for about three years now in upstate NY. Thankfully haven't had to file a claim yet, but their customer service has always been responsi...
I totally get the point about modern cars being sensitive, but honestly, I think we're overestimating how fragile sensors actually are. I've had a cou...
That's interesting, because I've always heard insurers factor in proximity to fire stations and hydrants pretty heavily. But maybe Alaska's unique geo...