- Seen a lot of folks with spotless records get hit with their first at-fault, and then rates jump way more than they expect. - Had one guy last year—...

Bumping up your deductible is a solid move, but just double-check you’re comfortable with the out-of-pocket risk if something happens. Dropping rental...

Yeah, car type can definitely swing rates more than people think. A sporty coupe usually means higher claims frequency and repair costs. Mileage facto...

Fair points, but keep in mind: - Tracking apps can penalize you for conditions beyond your control—think icy Alaskan roads or sudden wildlife crossin...

Good points, especially about the spare tire—can't tell you how many claims I've seen where folks assumed theirs was good to go, only to find it flat ...

Good points—especially about emergency savings. A few quick thoughts: - Repair costs often surprise people; better safe than sorry. - Deductibles shou...