Letting friends drive your car in MN: better to add them or rely on permissive use? Honestly, I think you’re being smart, not paranoid. Insurance c...

Honestly, you nailed it with this: That’s really what it comes down to. I’ve seen folks with teen drivers get hit hard by rate hikes after a single a...

That’s spot on. Telematics sounds good on paper, but in practice, it’s not always a win—especially if you’re already a careful driver. I’ve seen peopl...

Honestly, I get the frustration—waiting for a cop to show up can feel endless, especially if you’ve got stuff to do. But yeah, most insurance companie...

Negotiating directly with repair shops can definitely help, especially with luxury dealerships—they've got the clout to nudge insurers along. But hone...

Definitely agree with this. I've seen clients save quite a bit by switching to smaller insurers or specialized DUI-friendly policies. It's not always ...

Insurance hikes after a DUI in Idaho can be pretty steep—I've seen cases where premiums nearly doubled overnight. It usually stays elevated for about ...

Exactly this. I've seen clients bounce back surprisingly well after a few years. Staying disciplined and patient really does pay off—hang in there.

Dashcam footage definitely helps sometimes, but it's not always a slam dunk. I've seen cases where the video clearly showed fault, and claims were set...

Couldn't agree more about zip ties. Had an old sedan that liked to randomly disconnect its battery cable on bumpy roads. After a few frustrating roads...

Totally relate to the fridge and car stories—been there, done that, got the empty wallet to prove it. For me, picking a deductible is all about being ...