That’s been my experience too. Last winter, Geico sorted out my fender bender in a couple days, but a few years back Progressive took care of a windsh...
Yeah, that “Murphy’s Law” bit hits home. A couple years back, we bumped our deductible up to save a few bucks each month. Fast forward to last winter—...
Honestly, I get the frustration, but I wouldn't say it's totally arbitrary. Insurance companies usually have strict guidelines because they're regulat...
Interesting point, but I've actually had better luck negotiating with bigger insurers. Smaller agencies were friendly enough, but couldn't match the m...
I totally get your reasoning there. I've been down both roads myself—started out with just jumper cables and roadside assistance coverage, thinking I'...
Good points about location and driving style. I used to think a higher deductible was the way to go—save a bit on premiums, right? But then one winter...
Glad it worked out for your son, but honestly, my experience was a bit different. My daughter took one of those courses last year, and while the insur...
That's a solid point about checking the fine print. I remember when my wife backed into a mailbox (don't ask...) and we thought accident forgiveness w...
I get the hesitation, but honestly, comprehensive coverage isn't always worth it—depends on the car. When my old Corolla got sideswiped, repairs cost ...
We were on the fence too, but after my wife's minor accident last winter (icy roads, you know how Ohio gets...), our premiums would've jumped quite a ...
I totally get where you're coming from on this. A few years back, my wife had a minor scrape backing out of a parking spot—looked like nothing more th...
Yeah, I totally get what you're saying. A few years back, my wife had a similar situation—someone swerved into her lane, clipped the front bumper, and...
Haha, seriously. Reminds me of when a tree branch fell on our minivan during a storm. I was convinced they'd call it an "act of nature" or something e...
Rates definitely spike hard, but it doesn't always take three full years to notice improvements. My brother-in-law got hit with a DUI in Idaho, and af...
Yeah, that's the tricky part. When I looked into it, my agent explained there's usually a gray area between rides or deliveries—like waiting for your ...