Fair points all around. I totally get the hesitation about paying extra monthly—especially on a car that's practically bubble-wrapped in your garage. ...

I've been with both big companies and local agents over the years, and honestly, the local route saved me a ton of hassle after a minor fender bender....

I learned the hard way too. A few years back, I figured my older Subaru wasn't worth enough to justify comprehensive coverage, especially since I park...

Yeah, that's solid advice. Had a similar thing happen with my old Civic—barely tapped someone's bumper, looked totally fine at first glance. But a wee...

I've noticed that too, but honestly, shopping around might not always solve it. A buddy of mine switched insurers after a similar issue, and the new c...

Yeah, I see your point. I've done something similar myself—had an old '85 Jeep Cherokee that I drove cross-country a few summers back. The hoses looke...

Honestly, I don't think your driving history directly affects how quickly PIP kicks in. A few years back, I had a minor accident (totally my fault, un...

Yeah, umbrella policies are underrated for sure. Had a buddy who got into a nasty accident—his regular coverage maxed out quick, and the umbrella poli...

Good call on the phone plan—I did something similar with my car insurance a while back. Didn't even realize they offered student discounts until I ran...