Interesting points, but I'd argue that the effectiveness of market research documentation isn't always so limited. When my brother's car was totaled l...

That's been my experience too—insurance pricing seems so arbitrary sometimes. Makes me wonder how much of it is actually data-driven versus just marke...

Good point about checking those limits—I hadn't thought of that. Does anyone know if unions typically renegotiate these perks annually, or are they pr...

That's a fair point—I've had both, and while the insurance add-on was definitely cheaper, the membership perks did come in handy during a road trip on...