Dash cams are definitely worth it, IMO. I've had one for about two years now, and while it hasn't directly lowered my premiums (sadly), it did save my...

Yeah, this is spot-on. A couple years back, I had two minor claims within a year—one pothole incident and one fender-bender—and my premiums shot up li...

This is spot-on. As someone who's considered high-risk (couple tickets and one minor accident), I've found Progressive slightly more forgiving in NY. ...

True, but honestly, even checking ahead doesn't always guarantee smooth sailing. I've had insurers give vague answers or conveniently "forget" to ment...

- Digital proof is convenient, sure, but relying solely on your phone feels risky to me. - Had a close call once—phone died after a long drive, and I ...

Good job sticking with it—I know those courses can be brutal, especially after a long shift. A heads-up though: some insurers shorten discount periods...

- Honestly, I'd be careful trusting the app too much—had a few close calls myself, and even though I drive cautiously, the app flagged me anyway. Disp...

Been there myself—high deductibles seem smart until something unexpected hits. A few quick thoughts: - Check if your insurer offers windshield-specifi...

Totally agree, insurers definitely look for loopholes. A few things I've personally noticed: - Mods: Even minor stuff like aftermarket wheels or exha...

- Good points, but as someone who's considered high-risk, I've actually found local agents more flexible. - National companies can be pretty rigid wit...