I get your skepticism, honestly. I used to think accident forgiveness was just another upsell too, until my wife slid on black ice last winter near Cl...

I've noticed something similar, actually. A few years back, I had a spotless record—no tickets, no accidents—and when I called up my insurer to negoti...

Tried one of the smaller local companies last year after my mainland insurer hiked rates (thanks to a minor fender-bender—ugh). Surprisingly, they see...

That's a good observation about insurers being cautious. I've noticed the same thing—insurance companies seem to move at a glacial pace when it comes ...

I had something similar happen a couple years back when my daughter broke her wrist. We got a bill for anesthesia twice—once from the hospital and onc...