That’s exactly the problem with minimums—they’re set decades ago and don’t reflect what things actually cost now. I used to think I was being smart by...
Honestly, I learned the hard way that "systems" matter more than willpower. I once set my deductible sky-high to save $20/month, thinking I'd just ke...
You nailed it with the “court case” comparison—State Farm’s process really does feel like you’re on trial for daring to need your own insurance. I’ve ...
Honestly, I used to be in the “skip glass coverage” camp too—felt like a sneaky upsell. But after running the numbers (and factoring in how often I’m ...
It can, but honestly, it’s not always as bad as people think. I added coverage for my aftermarket wheels and stereo—my premium went up maybe $8 a mont...
Honestly, I get the whole “be super organized” thing, but sometimes it feels like overkill. I’ve had claims with both USAA and State Farm, and in my e...
I hear you—last time I called AAA for a dead battery, it took them almost three hours to show up. Honestly, for what they charge now, I expect a lot b...
Honestly, I think losing trust hits harder in the long run. I had a cousin who got caught up in a minor fraud thing—nothing huge, but it stuck on his ...
That’s exactly it—shops love to promise “perfect” color matches, but I’ve yet to see one that holds up under sunlight. In my experience, insurance is ...
I get the temptation to just toss everything in the glove box and call it a day, but honestly, I think it’s worth being a bit more organized—especiall...
True, dashcams definitely help—I had a similar run-in when an insurer tried to label me "high-risk" after a minor fender-bender. My footage clearly sh...
Honestly, that's pretty common and not necessarily a bad thing. But I'd argue it's worth a quick check every renewal—takes like 10 mins tops—to see if...
Honestly, I've always leaned toward keeping a small emergency fund rather than paying extra monthly. Insurance companies are businesses—they price tho...
I get your point, but honestly, comparing accident forgiveness to a premium car wash might oversimplify things. I've crunched the numbers myself (driv...
I've never tipped a mechanic either, and honestly, I don't think it's common practice. I've dealt with insurance claims a couple times myself—once whe...