Good points overall, but I'm a bit skeptical about the idea that PIP claims won't affect your rates at all. Insurance companies are tricky—I've seen f...

I get the psychology angle, but honestly, separate accounts never really did it for me. Tried it briefly for my car expenses and ended up just shuffli...

Had my Audi insured with State Farm for a while—here's my quick take: - Mileage flexibility was definitely better than what you're describing with Fa...

- Defensive driving courses definitely help, even if they're a snooze fest. Did one myself years ago—saved a bit, but nothing groundbreaking. - Grades...

- Higher deductibles make sense on paper, but honestly, with my car (German import), repair costs can escalate insanely fast. - Had a minor fender-ben...

- Credit card coverage sounds good on paper, but I've heard horror stories about claims taking forever. - Rental company insurance might feel overpric...