Been there myself—had liability-only on my trusty old Corolla years ago, thinking I was beating the system. Then, bam, rear-ended someone at a stoplig...

Haha, I feel your pain on that one. I tried telematics once, thinking I'd be the poster child for safe driving. Turns out, I'm more of a "safe-ish" dr...

Honestly, I think it's mostly psychological—but hey, psychology can be powerful. When I first started separating my car expenses into their own accoun...

Totally agree with you on the "similar value" thing—insurance companies have their own dictionary sometimes, don't they? A few years back, my trusty s...