I see your point about premiums going up—even without an actual claim. Insurance companies definitely have their quirks... I've had my share of experi...

Interesting points overall, but I'd caution against assuming cosmetic mods always get a pass. Insurance companies can be surprisingly picky about thin...

This hits home for me. I once had a pristine '68 Mustang parked curbside, and my neighbor backed right into it... Insurance went up, even though my dr...

Glad to hear your coverage stepped in without hassle—situations like these really highlight the importance of solid insurance. Had a similar experienc...

Interesting point about professional associations—I had a similar experience, but from a different angle. As someone who restores classic cars, insure...