Honestly, I get the frustration with all the paperwork and repeated info, but I’ve actually found switching insurers every couple of years does pay of...

I get where you’re coming from. That line about rental companies charging you first is spot on——been there, done that, and it’s a headache. But I’ve a...

Tell me about it. I once spent an hour on the phone just trying to figure out if a cracked windshield was “weather-related” or “act of God.” Turns out...

In my experience, it’s mostly the honor system until you file a claim or renew. Had a similar situation with my ‘72 MGB—nobody asked for proof until I...

I get where you’re coming from—there’s definitely a case to be made for just winging it, especially if you mostly stick to city driving. I used to thi...

I’ve noticed the same thing—sometimes it feels random, but I think you’re onto something with the parts. With newer cars, especially luxury models, e...

That about sums it up. Unless your car ends up underwater or gets struck by lightning, insurance adjusters are going to call it “wear and tear” every ...

[quote]“don’t let [loyalty perks] blind you to better deals elsewhere.”[/quote] Had a similar experience last year—ten years with the same company, b...

You nailed it with the detective badge analogy. I’ve dealt with insurance claims after a hailstorm wrecked my camper roof, and the paperwork was just ...

Mileage discounts are nice in theory, but I’ve found most insurers don’t offer much unless you’re barely driving at all. Sometimes it’s more hassle th...

That’s exactly the problem—laws just haven’t kept pace. I’ve driven through a bunch of states, and it’s a total toss-up whether digital proof flies or...

Honestly, I’ve found the tracker thing a bit overhyped. The “savings” barely made a dent for me, and I drive a lot for work. Has anyone actually seen ...