Yeah, insurers can be funny that way. Had a friend who put in better headlights thinking it'd be safer for night driving, and same deal—rates nudged u...

Good call on checking brake components—telematics can be overly sensitive, especially with older cars. Tires matter too... uneven wear or low tread de...

Defensive driving courses can definitely help, but they're not always a magic bullet. I had a client once who took the course after being labeled high...

Yeah, that's exactly why I always recommend clients get stuff like that confirmed in writing. One rep's casual reassurance might not hold up when anot...

Yeah, it's definitely not just you—I've seen this happen way too often lately. Honestly, it's why I always recommend adding uninsured motorist coverag...