Honestly, the “organized” approach can be a double-edged sword. I’ve seen a lot of people get frustrated with those progress bars and checklists—somet...

Mileage caps are a pain, honestly. Most insurers will let you up your annual miles if you call, but they’ll probably bump your premium too. As for odo...

That’s a key point—frequency matters more than people realize. If your friend is driving your car every weekend, insurers might see them as a regular ...

I’ve seen a few claims get denied just because the odometer didn’t match what was on the policy. It’s not always about intent, either—sometimes people...

I’ve seen claims where both the personal and the rideshare insurer tried to push responsibility onto the other, especially during that logged-in-but-w...

Yeah, Illinois does technically allow digital proof of insurance, but I’ve seen officers still prefer the physical card. There’s no requirement to car...

That ACV/RCV thing trips up a lot of people. Actual Cash Value is almost always less than what you’d pay to replace something new, especially with roo...

I’ve seen both Geico and Progressive handle claims in NY, and honestly, it’s a toss-up. Sometimes Geico’s super fast, other times Progressive is way m...

Mileage limits definitely matter more than people realize. Had a similar experience myself—insured a vintage motorcycle with mileage restrictions, fig...

Totally get the appeal of local agents, especially for routine claims. But just a heads-up: if you're labeled "high-risk," bigger insurers sometimes h...

Totally get where you're coming from. Seen plenty of cases where minimal coverage seemed fine until something unexpected happened. It's all about bala...

Defensive driving definitely helps with nerves, but curious—did anyone notice an actual drop in their insurance premiums after taking the course? Hear...

I've handled claims involving both companies, and honestly, they're pretty similar overall. Snapshot definitely penalizes late-night driving a bit, ev...