Honestly, I’d rather play it safe than sorry in these situations. Here’s what I usually do: - Snap a few photos, even if there’s no visible damage—ju...

Honestly, I’m right there with you—peace of mind is worth a few extra bucks a month. Here’s how I look at it: - If you’ve got a solid emergency fund,...

Good points about mileage—definitely underrated. A few other things I've found helpful: - Raising your deductible can cut premiums noticeably (just m...

I totally get where you're coming from—accident forgiveness can seem like a bit of a gamble at first glance, especially if you're a safe driver and ra...

Did the same thing last year after I got slapped with the "high risk" label for one minor fender-bender. Honestly didn't expect much, but it actually ...

Totally with you on comprehensive coverage—had a close call myself last year when an icy branch decided to land right on my windshield overnight. Than...

Totally agree with this point—OEM parts can be a sticking point with Geico sometimes. Had a similar experience myself when my Subaru got rear-ended la...

Good points—I've always kept comprehensive because deer are everywhere around here. As for deductibles, I go with an amount I know won't wreck my budg...

Totally agree—insurance is tricky enough without throwing language barriers into the mix. A few things I've learned from my own experiences: - Always...