Honestly, I dropped comprehensive once my car's value dipped below $4k. Just didn't make sense paying extra premiums when the payout wouldn't cover mu...

- Digital backups are fine until your account gets locked or hacked—been there, done that. - Burner phones seem excessive, but a spare prepaid SIM tuc...

- Had similar issues after hail damage last spring—felt like pulling teeth to get someone out. - Honestly think they bank on people giving up or settl...

Gotta say, bundling actually worked out better for me. Maybe it's just my area or the companies I checked, but when I compared separate policies vs. b...

- Auto insurance. Seriously, check your provider—mine knocked off like 10% after verifying student status. - Local mechanic near campus gives discount...