Been there. After a couple tickets, my rates shot up, and every “extra buck” stings. Here’s how I handle it: 1) Only let people drive if they’re on my...

I get the logic behind dropping collision, but I’ve actually kept it with a higher deductible on my old Accord. My driving record’s not spotless, so f...

Can totally relate to the odometer anxiety. I actually keep a spreadsheet (yep, I’m that person) to track my miles, but even then it’s easy to slip up...

Totally get where you’re coming from. I used to chase the cheapest monthly rate too, but after two fender benders in one winter (yeah, I know…), those...

One thing I learned the hard way—if you’re considered a high-risk driver (like me, thanks to a couple speeding tickets), they sometimes tack on extra ...

Yeah, I've been there myself... small incidents can spiral quickly. As someone who's considered high-risk, I used to crunch the numbers obsessively to...

Yeah, it's pretty unsettling. From what I've seen, insurers tap into shared databases like CLUE reports—even minor incidents you handle privately can ...

Yeah, I used to skip them too, but after doing some digging, I changed my mind. Here's the thing—your personal insurance might cover damage, but usual...