I had similar reservations initially—PIP seemed like just another expense, especially since my premiums were already high due to my driving record. Bu...

I've found smaller insurers surprisingly reliable when it comes to claims, actually. Had an accident last year (my fault, unfortunately), and the smal...

Good point about crunching the numbers—I did that recently and realized the lower deductible wasn't worth it for me. With my driving record (let's jus...

I took one of those classes last year after a speeding ticket bumped my rates. Honestly, the discount wasn't huge, but it did offset the cost of the c...