Yeah, that's probably the safest route. I've heard similar stories from friends who've had DUIs—insurance companies really don't mess around with that...

I get what you mean about "old car quirks." My uncle had a classic sedan that always squeaked a bit when braking—he figured it was just worn pads. Tur...

I completely agree with your perspective here. Even if there's no visible damage, leaving a note or reporting it can really ease your mind—especially ...

Good point about tire pressure—I overlooked it myself until recently. But honestly, I noticed an even bigger difference when I adjusted my driving hab...

Great points here, especially about the personal touch smaller insurers offer. I've noticed that too—when I was shopping around for my first policy (a...

I get the point about continuous coverage discounts, but honestly, I think sometimes insurers overplay how much those gaps matter. My brother had a si...

I totally get your concern about rental car coverage—it caught me off guard too. When I first signed up, I assumed comprehensive covered rental cars a...

From what I've seen, telematics programs mostly focus on your driving habits—like braking, acceleration, and mileage—not so much on the car's safety f...

Had a similar wake-up call myself during my first year driving. Got caught in a nasty hailstorm—thought I was covered since my parents always talked a...

I've definitely experienced something similar. A couple of weeks ago, I was driving home from class, coasting smoothly down a familiar street, and hit...

You're spot on about peace of mind being worth more than a few bucks saved. Had a similar situation last year—flat tire at night, pouring rain, and th...

That's a good point about smaller regional insurers—I hadn't really considered them before. From what I've heard, they can sometimes offer more person...