Honestly, I think a lot of people overestimate how much weight just getting another estimate carries. Adjusters see contractor estimates all day, and ...

Interesting take—I see where you’re coming from, but I’d actually argue accident forgiveness can be a smart move for new drivers in Ohio, especially g...

WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? Honestly, med pay can be a bit of a gray area. It’s designed to kick in fast...

Honestly, the “peace of mind” thing only goes so far if your car’s even a little bit unique. Seen it happen—someone with a lowered car or aftermarket ...

Yeah, that’s still pretty common. Technically, Illinois does allow digital proof (like an app or PDF on your phone), but not every officer seems total...

That's a solid approach, and honestly, it's what I usually recommend to clients who are comfortable managing their finances proactively. The key is re...

Actually, both location and driving record factor into your premiums, but insurers weigh them differently. Your driving history usually has the bigges...

Had a client go through something similar last year—lent his car to a friend who ended up rear-ending someone. Turned into an insurance nightmare beca...

Totally agree on the numbered steps—makes things way easier. Another thing I've noticed is attaching clear, well-lit photos right from the start can c...

Yeah, I've seen this happen a lot with Farmers, especially after big storms. They're known for being pretty meticulous about documentation, sometimes ...

Group discounts can be solid, but here's a quick checklist I usually recommend: 1) Confirm what's actually covered vs. excluded, 2) Compare the group ...