Honestly, the salt air here really does a number on cars. I’d add—if you’re financing with a low down payment, gap makes more sense, since you’re upsi...
I’ve wondered about that too—some insurers are super vague about what “occasional” actually means. One time, I thought I was playing it safe by only l...
I totally get wanting that peace of mind, but I always run the numbers before deciding. If you rarely file claims and have a solid emergency fund, a h...
I’ve actually tried to get a straight answer about this at my local grocery store, and the manager just kind of shrugged and said, “It depends on the ...
That’s the part that gets me every time. I’ve seen policies where “roadside assistance” just means they’ll call a tow for you, but you’re still footin...
It’s wild how “full coverage” is basically just a marketing term—there’s no standard definition. I learned that the hard way after a fender-bender whe...
Honestly, the “act of God” thing always gets me too. It’s buried in the fine print and half the time you need a law degree to figure out what’s actual...
I’ve wondered about this too, especially since I’ve seen mixed info online. From what I dug up, South Dakota law (SDCL 32-35-119) does say digital pro...
It really is a weird gamble, isn’t it? I always try to break it down like this: first, estimate how often you’ve needed to use your insurance in the p...
Yeah, I’ve been there—Montana roads can get sketchy real quick, especially in winter. I used to just trust my credit card coverage too, but after a fe...
Honestly, that’s my main gripe with telematics too. The data doesn’t really care why you’re out late, just that you are. As for OEM parts—Geico made m...
Yeah, that's the trade-off sometimes. If you're going smaller or regional, I'd suggest double-checking their claims process upfront—ask about typical ...
Good point about forgiveness policies. Just to add a bit more detail here—Illinois insurance rules can be a bit tricky, especially when it comes to ho...
Yeah, I've noticed the same thing with Progressive. They're quick, but aftermarket parts seem to be their default unless you specifically push for OEM...
I see your point, but sometimes paying extra doesn't guarantee quicker repairs. Had a premium policy once, still waited forever due to parts shortages...