That’s honestly the most frustrating part. You do everything right, and it still feels like you’re footing the bill for everyone else’s mistakes. I’ve...

I’ve tried the high-deductible route before and honestly, it’s a mixed bag. The monthly savings felt great for a while, but when my son backed into a ...

I get where you’re coming from, but I’ve actually found the lower cap works better for me. Like you said, That’s been my experience. Most of my drivi...

That’s exactly it. My 2003 hatchback gets flagged for “aggressive acceleration” every time I try to merge onto the highway—honestly, it’s just doing i...

Honestly, I’ve wrestled with this too. The big names do tend to have smoother claims processes—less chance of getting the runaround if something goes ...

I get what you're saying about easing off the gas—it can feel counterintuitive, and I've had similar thoughts myself. But I think the idea behind it, ...

That's a fair question—timestamps aren't usually a make-or-break deal in no-fault states, especially for minor claims. You're right that your own insu...

I've had a similar experience, actually. A couple years ago, I switched from a big national insurer to a smaller local agency, hoping for better commu...

I agree, those 360-degree setups seem impressive but they're definitely pricey for everyday use. Honestly, a basic dashcam or even just snapping a qui...

I've actually had pretty good experiences with smaller insurers, surprisingly. A couple years back, I switched from one of the big-name companies to a...

That's pretty solid advice all around. Had a similar thing happen last year—no visible damage, both parties calm, and we just exchanged info without i...

Fair point about privacy. I went with a UBI plan last year because I barely drove—mostly just weekend errands and occasional visits to family. It did ...