Honestly, I used to think comprehensive was just a money grab too, but after a neighbor’s car got trashed by a falling sign during a storm, I changed ...
Couldn’t agree more about those “cheap” plans biting you later. I learned the hard way too—my “full coverage” didn’t even cover hail damage, which is ...
I get where you’re coming from, but I’ve learned the hard way that skipping roadside assistance can bite you. Once my battery died in the middle of no...
Honestly, I’ve lived in Houston for years and yeah, the rates are nuts compared to when I was in Dallas. Here’s what I do: shop around every year, twe...
I’m with you—accident forgiveness always sounded like a marketing trick to me. Here’s how I look at it: 1) Figure out your actual accident risk—if you...
That’s been my experience too. You can be military, have a spotless record, and still get hammered if your zip code is “risky.” I always tell people: ...
Honestly, after owning classics for decades, I wouldn’t risk it. Insurance companies love loopholes, and if you’re missing receipts or documentation, ...
Yeah, those price-checker sites can be handy, but relying solely on them is asking for trouble. Here's what I usually do: first, check the app or site...
You're spot-on there. Most folks just check the box for basic PIP and move on, assuming they're covered. Had to tap into mine a few years back after a...
When I got my discount, they had me email them a photo of my receipt. Wasn't too bad...took maybe 5 mins tops. Worth it considering how pricey good ti...
Good call on the tires. Did something similar a few years back—switched to studded tires and mentioned it to my insurance rep. Got a small discount to...
Dashcams are handy, but they're not foolproof. Next time, snap clear pics of damage, skid marks, and positions right after the accident. Insurers love...
Yeah, car type and mileage are biggies, but don't overlook your credit score either. I learned this the hard way—had a minor dip in my credit after re...
I've owned cars forever and rented plenty too—trust me, don't just wing it. Step one: call your card issuer. Step two: grill them on exclusions (luxur...
PIP insurance is pretty straightforward, actually. First, file a claim directly with your own insurer—doesn't matter who's at fault. They'll cover med...