That’s a common frustration, and honestly, I’ve seen it trip up even the most careful drivers. The algorithms can be a bit rigid—real life just isn’t ...

I get where you’re coming from—there’s a tradeoff between that local touch and the efficiency of bigger companies. I’ve worked with both sides over th...

You nailed it—having your own documentation on hand really does make all the difference. I can’t tell you how many times I’ve seen people get told “th...

It really does seem backwards at first. The reasoning is that “collision” covers you when you hit another car or an object you’re actively steering in...

It’s wild how complicated they make it. I’ve noticed a lot of retailers’ systems just aren’t set up to handle multiple discounts at once, especially w...

That’s a really reasonable approach. Even though South Dakota law does allow digital proof, it’s true that not every officer is on the same page—espec...

Honestly, keeping your own tow numbers handy is smart. The inconsistency in reviews is tough—sometimes it’s a great experience, sometimes not. Did you...

Stacking Discounts Really Does Add Up You’re spot on about the defensive driving discount not being as big as it’s hyped up to be. The marketing defi...

You make a solid point there—it's not just how quickly they handle the mess, but how much pain your wallet feels afterward. This hits home. I've s...

That's a solid point about the NC-specific exclusions—those can definitely catch people off guard if they're not careful. I've seen plenty of cases wh...

Definitely agree—OEM is the safer route for critical components like airbags. I've seen claims denied or reduced due to structural issues caused by su...

That's a fair point about weighing the odds of actually filing a claim. But honestly, from what I've seen, it's not always just about the math. I've w...

Good call checking the fine print on your credit card coverage beforehand—it's surprising how many people overlook that detail. Temporary insurance ca...