Yeah, ZIP codes can be a sneaky factor. I moved just across town last year—same city, same commute—and my premium dropped noticeably. Go figure. Anoth...

Had a similar situation myself—tiny tap, zero visible damage. We both shrugged it off and moved on. Honestly, insurance companies can be a pain even o...

Didn't realize the defensive driving thing worked here too, good to know. I've heard some insurers also give discounts if you install a dashcam—anyone...

Winter tire discount was a nice surprise for me too—definitely worth the quick call. Another small thing I noticed: some insurers quietly offer discou...

Yeah, frequency definitely seems to matter most. Got dinged twice in town within six months—my wallet still hasn't forgiven me. Ironically, a friend m...

Yeah, telematics can be hit or miss at first. My brother-in-law had a similar situation in Idaho Falls—his rates shot up like crazy after a DUI. He tr...

I've bounced between both in NY, and honestly Geico ended up being cheaper for me too. Progressive started off decent, but after one minor fender-bend...

I get your point, but honestly, temporary insurance was a lifesaver for me once. My car broke down badly a couple years ago, and I had to borrow my co...

Had a similar thing happen when a deer ran into my parked car—thought collision was obvious there, but nope, comprehensive again. Sometimes feels like...

Two weeks sounds pretty quick actually... had a similar issue drag on for nearly a month. Sometimes insurance companies just move at their own pace, n...