Yeah, I hear you. My street in Houston is the perfect example—my neighbor pays less, but his car got stolen last year and mine didn’t. Go figure. Some...

Honestly, I’m with you—stuff happens even if you barely drive. My cousin only uses her car on weekends, and last year someone rear-ended her at a stop...

Mileage caps are a pain, but honestly, I’d rather deal with a little paperwork than pay double for insurance I barely use. I’ve been burned before—one...

Honestly, I get the peace of mind argument, but I just can’t bring myself to pay those higher premiums every month. I’ve been driving for over twenty ...

Honestly, alarms are hit or miss. My buddy had his Mustang at a show—alarm blaring, but people just ignored it because they thought it was a glitch. D...

Had a buddy who thought the same thing—ditched comprehensive on his old Civic to save cash. Then a tree branch took out his windshield during a storm....

I hear you on the Snapshot thing. Tried it myself for a bit, and honestly, it felt like I was being punished for just surviving NYC driving. You can’t...

Had a similar run-in myself a few years back—went aftermarket on a bumper repair, thinking I'd save some cash. Fast forward to another fender-bender, ...

I get your point, but honestly, I learned the hard way to keep comprehensive. Couple years back, parked my old Civic under a tree during a storm—came ...

Had a similar experience last summer with my '72 Mustang. I'd done everything by the book—oil change, checked belts, hoses, tires, you name it. Though...

I get the appeal of usage-based policies, but honestly, the tracking thing creeps me out a bit. Had one for a month and felt like I was driving with m...

Yeah, learned this the hard way myself a couple years back. Got rear-ended at a stoplight—totally not my fault, but still had to deal with my own insu...

I was on the fence about accident forgiveness until my wife's little fender-bender outside Dayton. She swore the mailbox "jumped out" at her (yeah, ri...