Good points there. Couple quick things I'd add from experience: - PIP usually kicks in regardless of who's at fault, covering medical bills and somet...

I've actually looked into this before, and here's my take: - Accident forgiveness helps your wallet long-term by preventing premium hikes, but you're...

You're definitely onto something here. From what I've seen over the years, it's rarely just about the car itself—there's a whole web of factors insure...

Good points there, but honestly it comes down to a few key factors: - How much cash you have saved up for emergencies. If your savings are thin, lowe...

Good points overall, but I'd argue insurers aren't always as flexible as you're suggesting when it comes to manual reviews. In my experience: - Most ...

Yeah, DUIs are definitely a different beast altogether. A buddy of mine here in Idaho got one about two years ago, and his insurance shot up by around...

Exactly. Had comprehensive on my old Accord for years, never used it once. Dropped it to save cash, and literally two months later, a tree branch smas...

Had a similar experience a few years back—went with Geico because the rates looked great on paper. First claim I had, they pushed me toward their pref...

Good points there—regular maintenance is definitely key. A few things I've learned from years of road-tripping in older cars: - Belts and hoses rarel...

True, but honestly, sometimes those exclusions aren't deal-breakers. I've had the garage clause excluded for years—street parking only—and never had a...

Bundling can definitely be hit-or-miss. I've had situations where my auto policy was solid, but the homeowner's coverage bundled with it wasn't ideal—...

Had a similar thing happen to me a few years back. Friend borrowed my car for a weekend trip, ended up rear-ending someone at a stoplight. Insurance c...