Nailed it. I’ve seen people get super excited about a “cheap” quote from one of those sites, only to call me later and find out their real rate is way...

I've dealt with Hagerty a few times—definitely better if you've got something special like your Mustang. AAA's great for everyday stuff, but specialty...

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...