Honestly, I’ve had the same frustration. You pay for “premium” and then get blindsided by some random exclusion. Like you said: Here’s how I handle...

Yeah, the whole thing feels like a lottery sometimes. My dad hit 70 and his premium jumped even though he’s never had a ticket or claim—he was not amu...

Honestly, I’m right there with you. I used to pay for all the bells and whistles on insurance, then realized for my 12-year-old Honda, it just didn’t ...