- Yeah, digital's convenient until it isn't. Had a similar thing happen to me in Sioux Falls—phone battery died right when I needed proof of insurance...

- Good point about checking the fine print—saved me a couple times too. - Had a windshield cracked by hail near Sioux Falls, thought I'd be paying out...

Yeah, that's been my experience too. When my insurer labeled me as a "risky driver" after a minor fender-bender, I looked into adding a dashcam and al...

Honestly, I get your point about hidden damage, but from a budget perspective: - Tiny bumps rarely cause serious internal issues. - Reporting every m...

Had the same reaction myself. Thought it'd be another hassle, but after my card got skimmed at a gas station, virtual cards became my go-to. Safer sho...

- Definitely agree on the defensive driving course—my cousin did something similar after his DUI, and while it didn't slash his rates dramatically, ev...

Haha, that's a good one. Had something similar happen with my mom's policy—turned out they'd mixed up her birthdate by a decade. Took forever to convi...