Yeah, that's a fair point. I remember switching insurers like socks a few years back—chasing deals and discounts—and one rep joked I was becoming thei...

Had a similar experience myself—hit a raccoon (poor little guy, RIP) and my premiums barely moved. But then my brother clipped a mailbox and his rates...

Haha, been there. When I had to file my SR-22, I thought I'd found the holy grail of cheap insurance... until I read the fine print. Turns out, "affor...