Yeah, “full coverage” is one of those things that sounds like it covers everything, but it really doesn’t. I learned the hard way when a tree branch s...

- Totally get where you’re coming from. - Those “perks” always sound better than they actually are. - I’d rather see a lower premium than a free c...

- Totally get where you’re coming from. Insurance is supposed to be this safety net, but when you actually need it, it’s like... where’s the net? - ...

Good point about documentation, but honestly, relying solely on receipts and photos might still leave you vulnerable. Insurers can be picky, and somet...

Bigger isn't always smoother, though. A couple years back, I had a claim with one of the big-name insurers, and honestly, it was a total runaround—cal...

Yeah, I've noticed that too. A lot of smaller insurers seem to outsource specialized claims—glass, roadside assistance, even rental cars sometimes. It...

Totally agree with you about insurance companies dragging their feet—I swear it's like they're hoping you'll just give up and pay out of pocket. Had a...

I've done some digging into this myself, since my brother-in-law is ex-Army and kept recommending USAA. Here's what I found: - USAA and GEICO militar...

Honestly, I've thought about this too, but from a slightly different angle. Even if you're cautious, you can't control other drivers or unexpected roa...

You make some good points, but from my experience, neighborhood actually matters quite a bit: - When I moved from a suburb into the city (opposite of ...

Definitely agree about the towing distance—learned that one the hard way. A few points I'd add from my commute-heavy lifestyle: - AAA roadside assist...