Good points overall, but I'd caution against assuming DIY skills always offset a higher deductible. Sure, routine repairs are manageable, but accident...

That's definitely true, but I'd argue that relying solely on weather forecasts isn't always enough. Conditions can change unexpectedly, and it's wise ...

Good call on roadside assistance—it's one of those things you don't think about until you're stuck on the side of the road at midnight (been there, do...

Insurers generally do factor commuting patterns into their assessments, though the specifics can vary quite a bit. Usually, when you're setting up you...

Glad you're okay—jogging incidents can be pretty scary. One thing I've noticed is that some policies have specific exclusions for pedestrians or cycli...

The point about location is valid. Insurers do factor in local accident statistics and traffic density when setting premiums, so moving to a quieter a...