Fair enough, but have you considered how you'd handle a major accident scenario? Curious if you've run the numbers on potential out-of-pocket costs vs...

Totally agree with this. I've been commuting daily for years now, and honestly, the math checks out. If you're disciplined enough to stash away the di...

- Had a similar experience... rep joked, "Well, that's one way to meet your neighbors..." 😂 - But seriously, PIP usually covers medical bills ...

Totally agree on the monthly reminder thing—it's saved me more than once. A couple extra points I've noticed from experience: - Temperature matters a...

Good point, but I'd argue it's less about insurance add-ons and more about knowing your car's actual range and limitations. I've commuted daily in an ...

Honestly, overlapping coverage might've been overkill. DMV usually goes by business days, so a Saturday cancellation probably wouldn't count as a laps...

Fair points there. Honestly, as someone who commutes daily and has had to dig into insurance details more than I'd like, I've noticed: - The vague wo...

- From what I've seen, insurers often look at frequency as a bigger red flag. Lending your car every weekend—even for short errands—can imply shared r...

I've found insurers aren't usually flexible about exclusions or coverage limits—those tend to be pretty standardized. Deductibles and add-ons like tra...

Good points, but I'd caution against assuming agents always have clear answers. In my experience: - Agents sometimes give vague or inconsistent expla...

Definitely true. Had a similar issue last year—bank kept bouncing me between departments, each claiming they had no record of previous conversations. ...

Totally get that feeling—been there myself. A few quick thoughts: - Smaller local insurers can be legit and often have lower overhead, hence cheaper ...