Honestly, it amazes me how many people skip checking their coverage until they're neck-deep in trouble. I get not obsessing over it, but if you live s...

Totally agree—checking multiple apps while driving is just asking for trouble. Plus, prices rarely differ enough to justify the hassle. I usually glan...

Dash cams are solid, but you're right—insurance companies can be weirdly stubborn about them. Defensive driving courses are definitely the way to go. ...

You're spot-on about complicated claims. Had a nasty fender-bender last year—other driver tried to pin the blame on me, total mess. My local agent ste...

Honestly, hail and vandalism are exactly why I wouldn't skip comprehensive coverage. Sure, you might save a few bucks upfront, but one nasty hailstorm...

Totally agree with you on being polite but firm—it's a balancing act. But honestly, I'd push harder upfront for OEM parts if safety's involved. Afterm...