I had the same issue with those tracking apps—my daily commute has a bunch of hills, and every time I slowed down for a curve, it flagged me. Felt lik...

Yeah, dashcams are great for clearing things up, but insurers here seem pretty set in their ways. Had a minor fender-bender myself last year—totally n...

Yeah, insurers can be oddly specific about living arrangements. My brother borrowed my car for a couple weeks while visiting, and when I called to che...

Haha, moose dodging should definitely count as a skill—I swear my reflexes are sharper since moving here. My insurer didn't seem impressed though, sad...

Had something similar happen with my Civic last winter—except mine involved an icy morning and a windshield scraper that was apparently too eager. I b...

Totally agree with this. After my first fender-bender, I switched to a local agent and it made a huge difference. No more endless hold music or explai...

Definitely noticed this myself. When I had my old Civic, scratches and dings were practically badges of honor—proof it was a trusty daily driver. But ...

Yikes, that bumper description made me chuckle...but seriously, I feel your pain. Had a similar experience once—waited forever and got something that ...

That's a really good point, actually. When I first started driving, I was also super cautious and went with the lowest deductible I could find. Felt s...

Fair point, but sometimes tickets happen even when you're careful—like that sneaky speed trap on my commute. Switching insurers helped me more than wa...

Haha, totally agree with this. I've found that being friendly and just asking if there are any discounts or loyalty perks available tends to get me fu...

Honestly, even when everyone knows their policy details, things can still drag on longer than you'd expect. Had a minor fender-bender last year—both o...

Totally agree about shopping around regularly. I used to stick with the same insurer for years thinking they'd reward loyalty—nope, learned that lesso...

I get what you mean about those courses helping you notice road hazards more, but honestly, I felt like mine was mostly common sense stuff. Maybe it d...

I've actually found mileage doesn't seem to affect my quotes much, at least not noticeably. But parking location—like street vs. garage—made a surpris...