- 100% agree on keeping receipts and photos—my glove box is basically a filing cabinet at this point. - I’ve had both big-name and local agencies, a...

Can’t argue with the logic there. I used to think roadside help was just another “nice to have” until my wife’s car died in the pouring rain, miles fr...

Had a run-in with State Farm last year after a fender bender. Here’s how it played out for me: - Adjuster was polite but kept asking for “just one mo...

Roadside help added to my insurance—totally worth it? That right there is why I always dig into the details before signing up for anything “extra” ...

- Totally hear you on the privacy thing. I tried one of those trackers when my insurance company offered me a “safe driver” discount. Ended up feeling...

- I hear you on the “I’ll handle it myself” mindset—been there, got the muddy jeans to prove it. - For me, the cost/benefit comes down to how often I’...

- Totally get where you’re coming from. The privacy stuff is a bit much, but honestly, the trade-off’s not so bad when you’re in a jam. - I’ve had t...

I’ve noticed the same thing—wait times are all over the place lately. Here’s what’s worked for me: - I started using their app to track the tow truck...

Couldn’t agree more about paper copies. Here’s my take, just to add a little to the mix: - I keep two sets of docs—one in the glovebox (in a ziplock,...

Good points—certified mail isn't magic, but it does show you're serious and organized. Insurance companies bank on people giving up easily. Staying pe...

Yeah, totally get this. When I was younger and barely scraping by, I tried the whole "high deductible, stash the difference" approach too. But reality...

- Had a similar experience myself—insurers seem to prefer specifics because it gives them something concrete to work with internally. - When my hours ...

Good points, especially about documenting everything. I've always wondered though—does anyone know if there's a significant cost difference between ad...