That’s the kicker, isn’t it? The word “active” is just marketing fluff during Period 1. Most folks don’t realize their personal policy usually won’t t...

Bundling barely moved the needle for me either—maybe $30 a year, which isn’t much. I tried one of those usage-based apps last winter, and honestly, it...

I completely agree with this point. Having owned cars for decades, I've seen firsthand how quickly a minor incident can spiral into an unnecessary hea...

I learned the hard way that even being careful doesn't always shield you from insurance drama. A few years back, I lent my car to a close friend—someo...

Had a similar issue years ago with my old BMW—thought I got away clean after a minor tap, but a month later the parking sensors started randomly beepi...

I've had both in NY, and honestly, Progressive's roadside assistance was fine for me. Had a dead battery last winter near Syracuse, and they showed up...

Ha, been there—minus the donuts. Another thing I've noticed is that mentioning lower annual mileage can help. Less driving equals less risk, at least ...

You're spot on about loyalty discounts—they rarely beat shopping around. I've owned cars for decades, and your strategy of bundling and adjusting dedu...

I've had both Geico and Progressive over the years here in NY. Honestly, coverage-wise they're pretty similar, but when I had a fender bender last win...

Two days is pretty decent turnaround, honestly. I've had my share of insurance headaches over the years, and believe me, it can get way worse. A few y...