- Honestly, I’ve had the opposite experience with Progressive. - Had my bumper replaced last winter after a fender bender—no drama, they used OEM pa...

Dash cams are a double-edged sword for sure. - Great when someone else screws up, not so great when it's you. - Had mine save me once from a bogus...

Mileage-based insurance sounds good on paper, but honestly, I'd steer clear. Tried it once, and the tracking device drained my battery in winter temps...

Yeah, learned that lesson the hard way myself. Now I keep a thick blanket and snacks handy—comfort without draining the battery. Luxury's nice, but ge...

Good call on shopping around. DUI hits your premiums hard, no way around it. A friend of mine got nailed with one a couple years back—he drives a lift...

Totally agree—switching insurers hasn't hurt my record either. Couple things I've noticed: - Loyalty discounts rarely beat new customer promos. - Insu...

- Usually classic car policies are agreed-value, meaning you set the insured value upfront. - Hail damage is typically covered under comprehensive, ...

Yeah, DMV is definitely gonna be your biggest pain point here. Been commuting daily for years and seen plenty of friends go through this. My advice: ...