Here’s the thing—telematics isn’t perfect, but neither is the old-school system. I’ve had a couple times where the app flagged me for “hard braking” w...

Not sure I totally buy that the system’s complicated *on purpose*. I think it’s just a mess because nobody ever bothers to simplify it. Honestly, if y...

Bundling’s usually where I see the biggest savings, honestly. Military discount is nice, but it’s rarely the lowest rate for me. Usage-based policies?...

Honestly, seasonal adjustments always seemed like more trouble than they're worth to me. A few things I've found that actually help: - Bundle home or...

Had a similar convo once about sliding into a neighbor's fence during a snowstorm. Rep basically said, "Well, that's one way to meet your neighbors......

Good point, but honestly, how much extra did that specialized coverage end up costing you? Curious if the peace of mind justified the price bump...

Definitely agree with this. I've bounced around a few insurers myself, and the smaller local ones often beat out the big names by a decent margin. Als...

You're spot on about roadside assistance being outsourced anyway. Honestly, I've had both State Farm and Farm Bureau at different points—didn't notice...

Went through something similar a couple years back—lent my car to a buddy for a weekend trip, figured it'd be fine since he had insurance himself. Of ...

Honestly, swapping belts and hoses on a strict time schedule feels a bit overkill to me. Sure, preventative maintenance is smart, but vintage rides ar...

Yeah, transparency sounds good on paper, but realistically enforcement's always gonna be messy. I've had a neighbor with a rusted-out Mustang sitting ...

Good points, but honestly, PIP isn't always a no-brainer. A few things to consider: - Check your state's minimums—some states have pretty low coverag...