It’s honestly ridiculous sometimes. Had an old Saab once—needed a headlight, nothing fancy, just a headlight—and the insurance guy basically laughed b...

Here’s what’s worked for me: 1) Save every receipt, even for stuff like car seats. 2) Take photos of everything installed in your car—insurance wants ...

Had a buddy rear-end someone at a stoplight last year. He thought, “Hey, I’ve got the legal minimum, I’m good.” Spoiler: he wasn’t. The other car was ...

Can’t argue with that—been there, done that, paid for it later. Here’s my take: first, figure out what you actually need, not just what’s cheapest. Se...

Yeah, the whole “defect vs. wear and tear” thing is a mess. Here’s how I break it down after years of dealing with this stuff: 1. If it’s just old an...

Yeah, I hear you on the telematics. Mine dings me for “aggressive acceleration” every time I try to merge onto the highway in winter. Like, what’s the...