Been there—last year, a deer ran out in front of me on Highway 1. Even with “decent” coverage, the out-of-pocket was way more than I expected. If I’d ...

- I get where you’re coming from, but after my buddy’s old Corolla got totaled by a hit-and-run in Houston, he was stuck with nothing. - He only had...

- That “bad haircut in your yearbook photo” line hits home. You can move, change jobs, even legally clear your name, but people’s memories are stubbor...

Totally get what you mean about reviewing things every year—life just throws curveballs. I remember last summer, right before a big road trip, I dropp...

- Good points, but honestly I've found subscription plans can lull you into a false sense of security. Had one once that limited to like 3 calls a yea...

Good points overall, but from my experience, military insurance isn't always the best deal—even if you're cautious. A couple things I've noticed: - D...

Definitely agree on the roadside assistance point—learned that lesson the hard way when my old VW bus broke down in the middle of nowhere. AAA guy sho...

Good point—especially if you're like me and tend to worry about worst-case scenarios. Digital tools are great until you're stranded roadside at midnig...

Mileage-based policies can definitely help ease insurance costs if you're not driving much. I've looked into them before, but honestly, the idea of ha...

Good points on the photos—I've heard of insurers pushing back even with receipts, so visual proof definitely helps. A buddy of mine had a similar issu...