Had a slightly different experience myself: - Specialty insurers might know their niche, but when I had a fender bender last year, things weren't exa...

- From what I've heard, even moving just a bit inland can help, but it's not gonna be a huge drop unless you're really getting away from those storm-p...

- Totally relate to your dilemma here, been there myself. - Middle-of-the-road deductibles seem smart—balances monthly affordability and reduces shock...