Yeah, totally get what you're saying about reviews—it's always extremes. From my experience, smaller local insurers can be decent if you're careful. I...

Totally agree with you here—most people don't realize how rarely they actually file claims. Usually, higher deductibles make sense financially, especi...

Yeah, good point on aftermarket stuff. I've seen folks run into trouble adding stereos or USB ports without upgrading wiring first—older setups weren'...

Yeah, I hear you on that. Had a similar situation myself a couple years back—small scrape in Fayetteville, and after paying my deductible, I was left ...

Yeah, can't hurt to mention it. A buddy of mine got a decent break after pointing out new drainage near his garage. Not life-changing money, but hey, ...

Couldn't agree more—little things like ignition parts or even a spare belt can save you from a pricey tow bill. Learned that lesson myself after my ol...

Tracking apps can definitely help, especially if you're already paying higher rates. I've seen clients save a solid chunk by proving they're not as ri...

I've seen clients try both, and honestly, the plug-ins tend to be a bit more accurate—less likely to ding you for random braking or acceleration. Apps...

I get your point about simpler cars usually being cheaper to insure, but honestly, it's not always that straightforward. I've seen plenty of cases whe...