That “OEM” thing drives me nuts too. Honestly, it’s a bit of both—they skim receipts but default to OEM because it’s easier to justify on their end. I...

I’ve run into this too, and honestly, I’m not convinced it’s always a tech issue. Sometimes it feels more like they just don’t want people stacking ev...

Honestly, I’ve seen that exact scenario play out. A client once thought their “just enough” policy would cover a minor rear-end. Turns out, the other ...

Honestly, updating mileage is one of those quick wins most people skip, but it can shave a surprising chunk off your premium—especially up here where ...

Totally get where you’re coming from—there’s a fine line between a “project car” and a neighborhood eyesore. I’ve seen both ends of it. From a practic...

Honestly, I’ve seen folks get all hyped about “local agent magic” too, but for SR-22, it’s usually just paperwork and a fee—no secret sauce. Here’s wh...

Honestly, you nailed it with the “marketing gimmick” angle. I’ve seen folks pay for accident forgiveness, only to find their rates still creep up due ...