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...