That’s exactly my worry too—what even counts as “occasional”? I feel like if a friend borrows your car twice in one month, some companies would call t...

I totally get where you’re coming from. I used to just decline all the extras, thinking my regular insurance or credit card would handle it. But last ...

Ever notice how your comfort level with risk changes depending on what else is going on in life? I used to be all about the higher deductible, thinkin...

Yeah, that’s the part that gets me too. I’ve always wondered if there’s *anything* you can do about it besides moving. I mean, I get why the numbers m...

Funny, I’m the opposite—I get antsy if I don’t hear *something* after a few days, even if it’s just “we’re still working on it.” Maybe it’s just my bu...

Man, I feel you on the tracking app thing. Those “safe driver” apps sound good in theory, but I tried one for a month and it felt like I had a backsea...

I totally get not wanting to drown in paperwork—honestly, who has time to catalog every oil change and air freshener swap? But I do wonder if it’s a b...

You make a good point, but have you thought about the unpredictability of other drivers out there? I used to think exactly like you—figured I'm carefu...

Haha, same here—my dashcam footage is mostly just me grumbling at traffic lights or humming off-key. But you're totally right, even a basic cam can be...

Totally makes sense. Ever done the math to see how much you're actually saving by dropping collision? I ran the numbers recently on my old Civic, and ...

Yeah, those lithium-ion jump starters are lifesavers. I picked one up on sale last year thinking I'd probably never use it, but sure enough, it saved ...

Had a similar thing happen when I left my car sitting for just 3 months—battery was toast and tires needed air. Makes me wonder if insurers count on t...

Been there myself with ignoring minor stuff... thought a squeaky belt was just an annoyance until it snapped on me halfway through nowhere. Now I doub...

Yeah, insurance math really is a head-scratcher sometimes... I had a similar experience when I moved neighborhoods—expected a decent rate drop, but ba...

Yeah, makes sense to me. Have you ever had a higher deductible and regretted it later? I've usually stuck with higher deductibles to keep premiums dow...