- Switched from AAA last year—honestly, savings weren't huge, but noticeable enough to justify the hassle. - Seems like all insurers are tightening up...

- I see your point, but honestly, once you're labeled "high-risk," it feels like there's no going back. Had a couple speeding tickets a few years ago—...

Been there, done that—though my wake-up call was more speeding ticket than icy guardrail. A few thoughts: - Mid-range coverage makes sense if you're ...

Honestly, checking dashcams every drive sounds like overkill. Mine's behind the mirror too—out of sight, out of mind. Plus, if something serious goes ...

Yeah, big insurers can be brutal if you've got any kind of record. After my speeding tickets piled up, I figured I was doomed to pay insane rates fore...

- Had a similar thing happen after my reckless driving ticket... insurers definitely hold grudges. - Bundling shaved off a bit, but nothing dramatic. ...

- Yeah, been there myself—insurance companies love their fine print. - Honestly, I never thought twice about coverage until I got labeled "high-risk" ...