That base rate thing caught me off guard, too. With my car, the “discount” basically vanished once they factored in the value. Honestly, for higher-en...

Honestly, I’ve run the numbers on bundling more times than I care to admit, and it’s rarely as straightforward as they make it sound. With higher-end ...

Bundling with USAA felt like a no-brainer at first, but I’ve had the same experience—no real “premium” treatment when it comes to claims. I’ve got a c...

Travel is actually one of the biggest reasons I went with Medigap. I do a lot of cross-country road trips (I love my car almost as much as my health i...

I hear you on the loyalty thing—it’s pretty frustrating. I’ve had a similar run, thinking my long history and spotless record would count for somethin...

I get where you’re coming from, but honestly, with the price of repairs on higher-end cars, I’d rather pay for accident forgiveness than risk a premiu...