Not sure I totally agree about “full coverage” being a total bust. Yeah, there are loopholes, but I’ve had it bail me out more than once—hailstorm las...

- Been down this road after my wife’s fender bender last year. Here’s what I learned: - Non-standard insurers (we tried National General) definite...

I get your point, but checking every year or two isn't just about mods. - Insurance rates fluctuate pretty often due to market trends or personal fa...

You made some good points there, especially about the warranty period. I've been digging around on this lately since we're considering an EV for our n...

Yeah, been there myself. Those hidden fees can really sneak up on you, especially when you're trying to budget carefully for car maintenance. A few mo...

Interesting point about collector cars and PIP—hadn't really considered it before this thread. Seems logical that PIP's mostly about medical costs, so...

- Solid points here, especially about repair costs. A few years ago, I downgraded to liability-only on our older family sedan thinking it'd be fine......

I've managed to dispute a minor claim successfully once, but honestly, it was a hassle. Here's what I learned: - Document everything immediately—phot...

- Good points, but I'd be careful about dropping comprehensive entirely—even on older cars. Had a buddy whose car got flooded last year... repairs wer...