Yeah, smaller insurers can be surprisingly flexible with that stuff. Had a client once who was labeled high-risk after a couple of fender-benders—big ...

Honestly, you're not alone with the glove compartment full of scribbled receipts—I see that ALL the time. Had one client who literally handed me a sho...

Honestly, I get why your cousin's experience would scare you off high deductibles, but I've seen plenty of cases where the opposite happens. Had a cli...

Comprehensive coverage can be a lifesaver, sure, but let's not pretend it's always the best choice for everyone. Had a client once who drove an old be...

I've worked with both companies over the years, and honestly, it comes down to the local agent more than the brand itself. I had a fantastic State Far...

Honestly, I've never bothered tweaking coverage seasonally. Had a client once who tried that—dropped collision coverage every summer thinking he'd sav...

Tried telematics myself a couple years back when it first started getting popular. Figured I'd save a bundle since I barely drove anymore after switch...

I hear ya, it does feel harsh sometimes. Had a client once who swerved to miss a deer—didn't even hit anything—but still got flagged as risky. We chal...

Yeah, smaller insurers can sometimes soften the blow a bit, but honestly, DUI hits are just brutal across the board. Had a client a couple years back—...

I've seen folks try that plenty of times. Had a client once who'd been with the same insurer since Reagan was president, no joke. He called them up af...