Yeah, those apps definitely don’t account for real-world driving. I tried one and it dinged me for “hard braking” every time someone cut me off on 202...

Yeah, I noticed the same thing when I switched cars last year. Went from a flashy red coupe to a boring gray sedan, and my rates barely changed. Seems...

Totally agree with you on reputation being key. I've noticed sometimes the big guys rely on their brand name rather than actual customer service, whic...

I've actually had some success with this. A couple years back, I had a speeding ticket and a minor fender-bender on my record, so the big insurers wer...

I've had roadside assistance twice, once for a flat tire and another time when my battery died at work. Neither counted as a claim, thankfully. Accide...

Had a similar situation with my cousin about two years ago. He freaked out at first, thinking he'd be paying crazy rates forever. After he did the cla...

Yeah, dealing with SR-22 in Georgia can definitely feel like jumping through hoops. Had to go through it myself a couple years back, and you're right—...