Yeah, those random fees are the worst—like, who even comes up with “policy maintenance” anyway? I get what you mean about spreadsheets; mine always en...

- Totally agree about the “wear and tear” excuse—feels like they use that for everything. - Replacement cost coverage is pricey, but yeah, it’s like...

Honestly, I get why they use zip codes though—like, statistically some areas just have way more claims or thefts. It’s not perfect, but I guess they’r...

Yeah, insurance can get weirdly picky about what counts as “nature” vs. “maintenance.” I read somewhere if a tree’s obviously rotting and you ignore i...

- Totally get what you mean about the paperwork hassle. - I’ve tried the alumni thing too—felt like I was jumping through hoops for a couple bucks o...

Totally get where you’re coming from. I had a similar situation with my dad last year—he was on an Advantage plan and needed to see a cardiologist. Th...

Yeah, good point—defensive driving classes aren't always the magic bullet. Couple things to keep in mind though: - Idaho insurers typically jack rates...

Had a similar headache with a big insurer last year—felt like they were reading from a script every time I called. Switched to a smaller company too, ...

Totally agree with your points, especially about having a comfortable buffer. I'd even push that further—weather can seriously mess with your range. L...

Definitely agree with snapping a quick photo or two. A few extra points from my own experience: - Even if you don't see visible damage, sometimes int...

Yeah, rental car coverage can definitely trip people up—it's one of those sneaky details that sounds straightforward until you actually need it. A qui...

AAA definitely has its perks, especially if you're driving something older or prone to surprises. I've heard mixed things about their response times t...

I've looked into this quite a bit myself recently, and honestly, I think the no-fault system isn't as great as it sounds. Sure, it speeds things up be...