Yeah, you nailed it—your personal record is just one piece of the puzzle. Here’s what I see all the time: - Regional stuff matters way more than peop...

SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT I get where you’re coming from, but I wouldn’t call it a total myth. There’s a lot mor...

- Paper cards are solid, but I’ve seen people forget to swap them out when their policy renews—old card, new coverage, still a ticket. - Digital proof...

Rental reimbursement is one of those things you don’t really appreciate until you’re stuck without it. I’ve seen people get burned by that more than o...

- Flooding is a huge part of it, no question. I’ve handled claims where people thought their garage was safe, only to find out the hard way that water...

I get the seatbelt analogy, but here’s a different angle: - UM coverage is great when it works, but I’ve seen plenty of folks pay for it and still en...