Funny, I had the exact same experience last year. Everyone kept telling me to bundle, but when I actually crunched the numbers, it barely made a dent....

I’ve never had them dig into my phone records, and I’ve loaned my car out a handful of times over the years. The closest I got was an adjuster asking ...

That’s exactly what made me bail on one of those “smart” insurance programs a couple years back. I tried Metromile for a bit, thinking it’d be perfect...