I’ve had both, and honestly, it comes down to how much peace of mind you want. My insurance roadside covered a flat tire once, but they sent a third-p...

Had this exact thing happen at the tire shop last year. I’d saved up a bunch of rewards points from oil changes, and then got a coupon in the mail for...

Yeah, that’s the thing—sometimes the “savings” from a higher deductible just vanish when you least expect it. I tried to crunch the numbers for our mi...

The whole “loyalty penalty” thing drives me nuts. I’ve been with the same company for over a decade, no accidents, and my rates still crept up after I...

I get what you mean about trust maybe being even harder to fix than a record. My cousin went through something like this—wasn’t fraud exactly, but he ...

I used to think accident forgiveness was a must-have, especially with two kids learning to drive. But after looking at how much it tacked onto our pre...

That’s pretty much my dilemma every renewal—do I keep paying for coverage I might never use, or risk it and hope nothing happens? I’ve got two kids an...

I get that nervous feeling too, especially after a close call with a deer on a foggy road outside Bozeman last year. My regular insurance covered it, ...

Tell me about it. The first time a deer ran into my minivan, I was convinced it’d be a “collision” claim. Turns out, nope—comprehensive. My agent expl...

I've had both State Farm and Farm Bureau at different points, and honestly, I think the agent you get makes a huge difference. A few years back, my wi...

Mine used to be a total disaster too, but after fumbling through it during an emergency tire change one rainy night, I finally caved and bought one of...

Yeah, electrical gremlins are the worst... reminds me of the time our old wagon decided to randomly kill the headlights halfway through a late-night d...

I've wondered about that too... I mean, digital cards are great until they're suddenly not. A friend of mine actually got a warning (thankfully just a...

That's a great point. I tried one of those tracking apps last year, thinking my driving was pretty tame—mostly school runs and grocery trips around Wi...

Had a similar experience myself last year. My wife was backing out of a tight parking spot at the grocery store and barely tapped another car's bumper...