That’s a really fair point about the OBD-II requirement—older cars just aren’t compatible, and honestly, I’d be wary of any workaround. I’ve looked in...

That’s a smart system—honestly, you’re more prepared than most folks I know. I’ve had the same issue with faded cards, especially in the summer. Out o...

Yeah, it really does feel random sometimes. From what I’ve seen, they usually use guides like Kelley Blue Book or NADA for the base value, but the adj...

That’s exactly why I dug into the fine print on my policy. Turns out, my insurer flat-out excludes any “commercial use,” even if I’m just sitting in a...

Honestly, I think people underestimate how easy it is to overlook the basics. I’ve had a flat before and realized my spare was almost as bald as the t...

I’ve actually wondered about this too, especially since I’ve heard mixed things from friends. From what I’ve read, South Dakota law does accept electr...

I’ve noticed the same thing—online just feels more straightforward, especially when you’re dealing with something as specific as SR-22. I tried callin...

Been there myself... had a windshield cracked by hail once and assumed it was covered under comprehensive. Turns out I had a higher deductible than I ...

I've noticed insurers tend to rely heavily on customers just accepting hikes without question. Last year, my renewal jumped about 12% out of nowhere. ...

Couldn't agree more with your take on risk vs. reward. I've always leaned toward liability-only for older vehicles myself—though I admit, your tree br...

Actually ran into this myself a while back. My agent explained it's partly about risk assessment—basically, insurers track even minor incidents to gau...