Fair enough, but honestly, how often do belts actually snap mid-trip? I've logged thousands of miles commuting in older cars and never had one go. May...

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...