Good call on this. Had a similar bump with my old Mustang—looked fine at first glance, but later found brackets slightly bent underneath. Worth checki...

From my experience with classic cars, local agents usually don't tack on extra fees for paperwork—it's typically bundled into your premium. But honest...

Agreed—insurance can definitely surprise you sometimes. - Had a buddy whose classic Mustang got dinged up at a car show in Rapid City... thought he'd...

I've always been skeptical about splitting policies, but after reading your experience, maybe I should reconsider. A buddy of mine up here in Alaska h...

- Good to hear it wasn't as intrusive as you expected—I admit I've been pretty skeptical about those trackers myself. - 10-15% savings isn't bad at al...

Fair point about prep, but brand can still matter: - Older EV models struggle more with battery drain in cold. - Some newer ones have better insulatio...

Digital cards seem convenient, but I still don't fully trust 'em yet. Maybe I'm just old-school, but I always keep a paper copy tucked in the glovebox...

Interesting... I'm usually skeptical about these newer apps (old-school AAA guy here), but if they're actually quicker, might be worth a try. Still, h...

- Good points, but it really depends on the car and situation. - For my daily driver, I wouldn't risk temp coverage—too many unknowns. - But for my cl...

Yeah, Utah can be pretty unforgiving about insurance stuff. Had a buddy who went through something similar—ended up with fines and had to jump through...

- Honestly, gap coverage makes sense for brand-new cars, but it's not a must-have for everyone. - Personally, I buy used cars outright—usually classic...