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...

Been there myself, it's always the one time you think you're safe that something random happens. Locked keys, flat tires, dead batteries...I've seen i...