Yeah, that's spot-on. Learned this the hard way myself a few years back—went with a smaller insurer because the premium looked great, but when I neede...

Totally agree on tracking real-world range yourself—manufacturer numbers are always a bit rosy. I've found apps like ABRP pretty helpful for planning ...

Totally agree on the telematics thing—it's definitely not a one-size-fits-all solution. A buddy of mine tried it out for a year, hoping for big saving...

Haha, that's exactly how insurance companies get you—fear of the weirdest scenarios. When I first started driving, I obsessed over adding every possib...

Yeah, I've asked about that stuff too and got pretty much the same reaction from my agent—basically a shrug. From what I understand, insurance compani...

Bundling can help a bit, but honestly, in my experience, it's not exactly life-changing savings. I've been driving here for years—had a mango dent my ...

Yeah, I think you're onto something there. A few years back, I had two windshield replacements within a year (thanks, gravel trucks...), and my premiu...

I've noticed that timing thing too, actually. Last year, I randomly checked quotes around renewal time and got a surprisingly good deal—way better tha...

I tried temporary coverage a couple months back when my brother borrowed my car, and honestly, the coverage options were pretty similar to my regular ...

Totally get where you're coming from—random rate hikes are the worst, especially when customer service doesn't make up for it. I've been driving aroun...