I've noticed something similar with clients I've worked with. Big national insurers tend to have pretty rigid guidelines—they'll spike your rates sign...

Exactly this. Illinois throws some curveballs for sure. I've been in insurance a while now, and even I have to pause sometimes and reread the fine pri...

Defensive driving courses can help, sure, but honestly, shopping around might make a bigger difference. I've seen insurers vary wildly on how they tre...

Totally agree with trusting people, but I wonder if there's a middle ground here. Blocking everything outright is obviously counterproductive—like you...