- 100% agree, the big guys treat you like a policy number, not a person. - Local agents might not have fancy apps, but at least you can call and tal...
Totally get what you mean about feeling like it’s a weird gamble. Here’s how I see it: - You’re basically betting on whether you’ll mess up your car ...
Legal Trouble Ends, Trust Can Shift - Not sure I agree that trust never bounces back. I’ve seen people do a 180 after screwing up big time—yeah, not ...
Been there, done that. Honestly, I challenged a penalty once after a squirrel darted out and I had to brake hard—explained the situation, sent dashcam...
Honestly, I get the point about keeping everything in the glove box, but I’m not a fan. Here’s why: - If your car gets broken into, all your personal...
Yeah, you nailed it with the “wear and tear” line—dealers and insurance both use that as their get-out-of-jail-free card. Here’s my take: - Insurance...
Had a scare last winter—battery just wouldn’t take a charge after an update. Insurance gave me the runaround, said it wasn’t “damage.” Ended up relyin...
Luck plays a role, sure, but I'd argue it's less about luck and more about clearly understanding your policy coverage. Smaller companies might feel fr...
I used to think the same way, but after hitting a pothole and wrecking my suspension, I changed my tune real quick. - Consider your emergency saving...
Exactly. I've been with a military-focused insurer for years, and while the customer service has been solid, I still shop around every renewal. A coup...
Good habit to get into. A buddy of mine had a mint '68 Mustang and figured his coverage was solid—until someone rear-ended him at a stoplight. Turns o...
Totally agree—always start simple. I'd add battery terminals to that list too... had flickering lights once, thought alternator, turned out just dirty...
Totally get your point, but gotta say—it really depends on your situation. A few things to consider: - **Car Value Matters**: If you're driving somet...
- Glad it worked out for you, but honestly, collision coverage isn't something I'd ever skip. It's one of those things you don't appreciate until you ...