True, but honestly, how often do major accidents really happen? I've been commuting daily for years and haven't had anything beyond minor fender-bende...

I was skeptical about defensive driving courses at first, but yeah, saved me more than I expected. Still unsure about LEDs though—do they really make ...

Had a similar issue after a minor fender-bender—premiums jumped way up. Tried the telematics thing too, felt kinda invasive at first but did help some...

Yeah, definitely noticed mine creeping up a bit over the past year. Thought it was just me or maybe my driving record slipping... but guess it's broad...