You’re right, smaller shops do seem more willing to work with you, especially if you’re a regular. I’ve had a local tire place let me use a coupon and...
That’s been my experience too. I used to think sticking with one company would eventually pay off, but it never did. I’m curious—has anyone here tried...
That really sums up the shift I’ve noticed too. It’s like the human touch has been replaced by layers of automation, and it’s not just AAA—seems to be...
That’s an interesting point, and honestly, I’ve thought about that too. The insurance companies use a pretty rigid formula—usually if the cost to repa...
Honestly, I hear you on the RCV vs ACV debate. It’s one of those things where there’s no perfect answer for everyone. Personally, I lean toward RCV, b...
Honestly, I’ve had a different experience with agents—they usually just default to “location risk” and don’t get into specifics either. But I actually...
I've never had a huge claim myself, but my brother-in-law did, and he was with a smaller insurer at the time. His experience wasn't terrible, but it w...
I totally see your point about roadside assistance being a hassle sometimes, especially for minor stuff. But honestly, as someone who drives alone a l...
Totally agree—insurance policies are notoriously tricky. Even when you think you've covered all your bases, there's always some obscure clause waiting...
I've noticed the same thing. Bundling sounds great in theory, but when I compared quotes, splitting policies actually saved me around $150 annually. I...
Tech glitches definitely have a knack for timing. A couple years back, I was driving through rural South Dakota when my phone decided to overheat and ...
Couldn't agree more about documentation being key, especially with aftermarket gear. I've noticed insurers often scrutinize modifications because they...
That's a great point. I've noticed that some insurers also factor in vehicle safety features—like anti-lock brakes or electronic stability control—whe...
You're definitely doing your homework, which is great to see. I went through a similar process last year—ended up choosing Progressive without Snapsho...
That's a good perspective, especially the point about risk tolerance. I've personally seen friends drop collision coverage thinking their car wasn't w...