Insurance companies definitely have long memories. Years ago, I had a minor fender bender that wasn’t even my fault, but it still showed up on every r...

I get where you’re coming from, but I’ve actually seen my rates drop over the years—even after a fender bender a while back. Maybe it depends on the c...

I’ve always played it safe and kept a paper copy in the glove box, too. Had a buddy get pulled over near Pierre last winter—his phone was dead, and he...

That’s the perfect way to put it. I had a similar run-in a couple years back—except mine was a mailbox, not another car (don’t ask, long story). I fig...

I hear you on that—reminds me of when I bought my first used car. Looked like a steal, but the “savings” vanished the minute I needed a repair and fou...

Been there, and honestly, it’s a pain. I had one of those trackers for about a year—got it when my insurance agent promised “easy savings for safe dri...

I hear you on that. Those apps can be a bit much—my daughter tried one for a few months and it dinged her for “hard braking” every time someone cut he...

I get the idea of keeping a “just in case” stash, but honestly, I’ve always leaned into insurance—maybe out of habit or just being a bit risk-averse. ...

Couldn't agree more—I learned my lesson years ago when I opted for a high deductible to save a few bucks. Thought I was being smart until a deer jumpe...

Totally relate to this. A few years ago, my son borrowed my car and managed to rack up two speeding tickets in a month (teenagers, right?). Suddenly, ...

Totally get where you're coming from. A few years back, I went with the cheapest policy thinking I'd save some cash... until someone rear-ended me. Ev...