Smaller local insurers can be hit or miss, honestly. A few years back, I switched from a big mainland company to a local one hoping they'd understand ...

Yeah, that's exactly why I usually stick with the insurer-approved shops. Here's my thinking: first, ask your insurer for their list of approved place...

Yeah, totally agree with you there. A lot of folks think they're fine just because their car isn't worth much, but liability is a whole different ball...

Yeah, reimbursement can be pretty straightforward depending on the company. I'd suggest double-checking exactly how they handle it beforehand—sometime...

I've heard it's tough, but not impossible. A friend of mine actually got their premium adjusted after submitting dashcam footage showing another drive...

Yeah, I see your point...but honestly, I've been crunching numbers and sometimes the math doesn't add up. Still, peace of mind does have its own value...

Limited collision sounds interesting, but I'd be cautious—could accepting partial fault affect your driving record or future premiums? Might wanna dou...

Honestly, I've thought about it once or twice when money was tight, but never actually went through with it. Here's what I usually do instead: First, ...