I feel you on the bundling thing—I tried it once thinking it'd simplify my life, but with my driving record (a few tickets and a fender-bender, oops.....

I tried Snapshot too, but let's just say my driving style didn't exactly earn me any gold stars, lol. If you're a bit of a lead foot or have some tick...

Tried this myself after a similar incident (had to swerve hard to avoid someone merging without looking). Here's what worked for me: 1. Called my ins...