- Totally get the paranoia—my M5 is basically my baby, and I’m picky about who even sits in it, let alone drives. - Permissive use always sounds lik...

Yeah, I’ve run into the same wall. Even with a detailed estimate from my preferred shop, the adjuster just skimmed it and stuck to their own numbers. ...

- 100% agree—just swapped out my run-flats for a better set and it wasn’t cheap. - Insurance adjuster barely glanced at them. “Book value” rules all, ...

- Totally get what you mean. I drive a (slightly flashy) car and I swear, just parking it downtown feels like I’m playing insurance roulette. - Housto...

- After my last speeding ticket, my premium jumped, but a DUI is a whole different beast. - From what I’ve seen, you’re probably looking at double or ...

Yeah, bundling definitely seems to be the sweet spot for most insurers. Another thing I've noticed—especially up here in Alaska—is that mileage can ma...

Yeah, insurance companies can get weirdly jumpy about mileage spikes. Had something similar happen when I took a long road trip—no accidents, just que...

Good point about Murphy's law... seems like every time I have something important scheduled, my car decides it's the perfect day to act up. Last time ...

Totally get where you're coming from—AAA definitely isn't the no-brainer it used to be. I've noticed a similar trend: - Had AAA for years, mostly bec...

- Glad it worked out for you eventually... insurance calls can really be hit-or-miss. - Curious, though—did they give you a reason why their preferred...