- Been in that exact spot—counter, pen in hand, and the agent giving me the “are you SURE?” look. - I’ve always stuck with my own insurance too (als...
It’s not always permanent, but it does take time. After my wife’s minor accident, our rates spiked for about three years, then slowly dropped as her r...
Totally get where you’re coming from. I’ve run the numbers a bunch of times, and honestly, the “savings” with a high deductible usually disappear the ...
Title: Which is better for SR-22 in ND: local agents or online companies? - Totally agree about the peace of mind factor. When I had to get an SR-22 ...
That “nearest repair shop” bit tripped me up once—ended up with my car at some random place I’d never heard of, not my usual spot. A couple more thing...
- I’ve run the numbers a few times and liability-only would save me about $60/month, but then I think about hail, floods, or someone sideswiping me an...
- Double-checking codes is smart—some roofers definitely cut corners if you’re not watching. - I always ask for a copy of the permit and inspection re...
Good points on the discounts—I saved about $40 last renewal with State Farm's safe driver app. Farm Bureau was tempting for the lower rates, but relia...
Good points here. A few things I'd add from experience: - Accident forgiveness typically pays off if you're risk-averse or have younger drivers in th...
Totally get the luxury car angle—makes sense they'd jack up the premiums there. I've noticed even with our family SUV (nothing fancy, just your standa...
Good points all around, but here's a quick breakdown from my own experience: - Farm Bureau usually has great customer service and better local agent ...
I've had mixed luck myself. Last year, I had a minor fender-bender and thought it'd be a breeze since I had all the photos and paperwork ready. Still ...
I've wondered about this too and did a bit of informal testing last winter. Here's what I noticed: - Heated seats seem to draw significantly less pow...
Totally agree with you both here—peace of mind matters. A couple things I've noticed too: - Insurance companies often claim these apps only reward go...
Totally agree on checking exclusions—saved me a headache once. A few things I've noticed: - Temporary coverage often excludes certain drivers based o...