Yeah, city driving is unpredictable—someone cuts you off and suddenly the app thinks you’re reckless. I’ve seen people get penalized for stuff totally...

Yeah, gotta agree with you there. I've seen clients jump through hoops for these forgiveness deals only to save a few bucks... hardly worth the hassle...

Had a client last month who relied solely on digital proof—phone died right when he got pulled over. Officer was understanding, but it was still a has...

It's true that location plays a big role, but honestly insurers weigh your driving record heavily too. I've seen folks with a few tickets or a minor f...

Yeah, bundling usually makes a bigger dent than those defensive driving courses. Still, every little bit counts, especially up here in Alaska where ra...

I used to think accident forgiveness was mostly marketing fluff too, until I had a minor fender-bender a couple years back. It was just a small dent, ...

Yeah, that's generally true—wildlife hits usually fall under comprehensive, and they're usually less harsh on your premiums. But honestly, it does dep...