- True, but isn't it also about your driving habits? - I commute daily through heavy traffic, so even minor fender-benders are a real possibility... -...

- Totally agree, insurers probably do factor in that inertia—once you're parked with them, switching back feels like a hassle. - Also noticed my brake...

Good point about dashcams... hadn't really thought about that angle. Wondering now if uninsured motorist coverage typically covers property damage too...

- Had a friend deal with something similar after his DUI in Boise. - His premiums practically doubled overnight... brutal. - He tried shopping around,...