Yeah, the “forgiving” thing is mostly just a nice word they slap on their ads. I’ve had my share of “conversations” with insurance folks after a ticke...

I hear you on the “loyalty doesn’t pay” thing—insurance companies seem to have the memory of a goldfish when it comes to your good years. But I gotta ...

That’s honestly been my experience, too. One time at a local coffee shop, the barista just shrugged and said, “Eh, why not?” and let me stack my point...

Yeah, I hear that. I used to roll my eyes at PIP too—felt like just another line on the bill next to “luxury tax” for my car’s cupholders. But after s...

Honestly, I get what you’re saying about the apps, but I swear mine dings me every time someone swerves in front of my car and I have to brake like I’...

I hear you on the “savings” disappearing act. I thought I was clever with a high deductible, until a rogue shopping cart decided my bumper was its sou...

I get that. I drive a car that costs more to fix than my first apartment, so I’ve thought about accident forgiveness too. Honestly, I’d rather have a ...

WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? I totally get the “backup parachute” analogy—honestly, sometimes it feels li...

Honestly, I’ve had adjusters laugh me off when I asked about a higher cap. I guess “luxury rental” isn’t in their vocabulary. One time, my car was in ...

Honestly, I’m convinced that’s exactly the plan. I swear, trying to stack discounts at some places is like solving a Rubik’s cube blindfolded. I once ...

Yeah, the “salvage” label really does stick like gum on a designer shoe. I had an old BMW that got tapped in a parking lot, and the repair estimate wa...

Yeah, I hear you on the patchwork thing. I’ve got an older Benz that I actually drive to work sometimes, and my agent gave me that look like, “You sur...