I hear you on the “pocket the extra cash” logic. Honestly, I’ve wrestled with this myself, especially since my premiums already feel ridiculous just b...

- That’s true, but I’ve had local agents just as clueless as the big guys. - With higher-end cars, I’ve noticed some chains actually have better cover...

Honestly, I get the frustration, but I’ve actually had a couple of adjusters go to bat for me—especially when I had a claim on my M5 after a hailstorm...

- Algorithms just don’t get it—my car’s value throws them for a loop every time. - Talking to an agent helps, but sometimes I feel like they’re read...

- Been there, read the fine print, and honestly, it’s a bit of a minefield. - My insurer flat-out told me: “If the app’s on, you’re not covered.” Th...

- Had the same debate with myself last year. - Local agent told me “in by noon, filed by close of business.” Took three days, but at least I could c...

Had a similar experience when I bought my black BMW. Everyone kept saying I'd pay more just because it's a luxury brand and supposedly gets targeted b...

Good points, but I'm still a bit skeptical about smaller insurers. Had a minor scrape in my Audi last year—local insurer handled it fast, sure, but th...

Yeah, same here. I looked into those mileage trackers when I got my current car—seemed tempting at first, but the idea of being monitored constantly j...

Been down that road myself—thought I was being clever by locking in early, but ended up kicking myself later. A few thoughts from my experience: - Fl...

Yeah, I see your point here, but honestly, my experience as someone driving higher-end cars has been mixed. Accident forgiveness sounds great in theor...

Had a similar situation last year when I rented a BMW 5-series on vacation. Declined the rental company's insurance because I assumed my Farmers polic...