Honestly, I get the frustration, but that’s just how insurance works. They’re not in the business of paying for stuff that just wears out. If they cov...

Yeah, learned that the hard way after my last speeding ticket. “Comprehensive” meant squat when I needed it. Big names jacked my rates up instantly, b...

Exactly. Cities love complicating simple stuff. Had a similar issue with my old Camaro—rules changed overnight, zero heads-up. It's exhausting keeping...

- Yeah, insurers definitely scrutinize what's "reasonable." Had a chiropractor recommend treatments after my accident, insurer flat-out said no. Once ...

Honestly, I get where you're coming from. When I first started driving, I was pretty paranoid too—mostly because I'd already had a couple of close cal...

Tried pay-per-mile for about six months last year—here's my quick take: - Good if you're barely driving. Saved me a decent chunk when I was working r...

Yeah, safer cars def help indirectly, but honestly, from experience, insurers mostly care about your area's claim history and your own driving record....

Gotta disagree a bit here—went local after my accident and tickets, and surprisingly got better rates than the big guys. Guess it really depends on yo...

Been there myself—couple speeding tickets and a minor accident, and suddenly I'm the insurance boogeyman. Farm Bureau got pretty picky with me; they d...

Yeah, you're probably right about the hassle, but some of us just learn the hard way. I've been labeled high-risk for a while now—got a couple speedin...

Ha, nailed it. Had mine for a while now and honestly, it doesn't exactly get easier—you just get better at ignoring the annoyance. Eventually, it's ju...

- Switched providers completely - Adjusted coverage/deductibles Did both recently. Had no choice really... my record isn't exactly spotless (couple s...