Good points here, but honestly, insurance underwriting isn't always logical—it's statistical. I've seen folks get discounts for installing anti-theft ...

Totally agree with going local, especially if you're considered higher risk. A few quick points from experience: - Big insurers often have rigid unde...

- Loyalty discounts are mostly marketing fluff—it's always smart to shop around every 2-3 years. - USAA does have great claims handling, but they're n...

Agree with you there—frequency of claims is a big factor, but vehicle age and reliability are just as important. A few quick points from my experience...

Had a similar experience when I borrowed my brother's car last summer. Thought it'd be quick and easy to hop onto his policy for a weekend trip—nope. ...

PIP can be a lifesaver, but yeah, it can get messy. A few quick points to clear things up: - PIP covers your medical expenses regardless of who's at ...

- Definitely worth considering in AK—lots of drivers skip insurance here. - If someone uninsured hits you, you're stuck footing the bill yourself. - S...

Haggling can definitely save you a few bucks, but honestly, it's not always the best way to get the coverage you actually need. I've seen plenty of pe...