Fair enough, smaller insurers definitely come with trade-offs. I've done pretty well with local ones myself, but I drive an older Subaru—luxury-friend...

Fair enough, but I've used standard insurers for my vintage camper on several cross-country trips. A detailed appraisal and clear policy wording saved...

This is exactly what I ended up doing. A few years back, I was driving an older SUV—great for road trips but definitely past its prime. After crunchin...

Totally agree on not skimping too much. A few years back, I was on a road trip and had a minor fender-bender in a parking lot—barely a scratch on my c...

Haha, exactly... I ran the numbers when I renewed last year (also in Ohio). For me, accident forgiveness was only a few bucks extra per month. Conside...

One thing I'd add: app reliability might be slightly overrated when choosing between insurers. Honestly, how often are you realistically using the roa...

Good point about photos, but honestly, pics alone aren't always enough. Had a similar incident on a road trip through Alabama last summer—got rear-end...