You’re definitely not wrong to be cautious, especially with newer cars. Those “small” repairs can add up fast once you start factoring in sensors and ...
Yeah, the “minimum” can feel like a good deal until you see those repair bills. I’ve seen folks get blindsided by how fast costs spiral, especially wi...
That’s a clever way to keep your card handy—never thought about using a trading card sleeve, but it makes sense. I’ve seen people stash all sorts of t...
Used Car Values Make It Tricky to Drop Comp You nailed it—there’s really no one-size-fits-all answer here. I’ve run the numbers with a lot of folks, ...
Yeah, the OEM parts thing is a headache, especially in NY. Some carriers get really picky about what they'll cover, and it can change year to year. I’...
I get where you’re coming from—insurance terms can be a maze, and it’s frustrating when people only find out what’s missing after something goes wrong...
Couldn’t agree more on keeping hard copies—digital’s great until you’re locked out of your email or a file goes missing. I’ve seen folks save hundreds...
You’re not wrong—some insurers really do get particular about storage, especially with anything “vintage.” It’s not just scare tactics, though. I’ve s...
You make some good points, but I'd argue that the military discount isn't always just marketing fluff. I've seen cases where retired military personne...
Agreed, it can feel like a chore, but regularly reviewing your options is essential. Insurers often adjust their pricing models and risk assessments, ...
Yearly updates definitely make sense, but honestly, I'd suggest checking in with your insurer even more often if you're actively tweaking your ride. I...
Couldn't agree more with this point. In my experience, smoother driving habits don't just lower your insurance premiums—they genuinely help stretch yo...
I hear you on that one. Had a client once who opted for the lowest deductible possible, thinking it'd save headaches later. But after a couple years w...
I completely agree with this perspective. Generally, higher deductibles do translate into significant premium savings over time, which can easily offs...
That's a good point about sentimental value—it's something a lot of folks overlook when deciding on coverage. Comprehensive can feel like an unnecessa...