Switching insurers every couple years can definitely pay off, but it's not always a slam dunk. A few things I've noticed from personal experience: - ...

Had a similar experience myself—minor fender bender, pretty straightforward, agent barely involved. But when my neighbor had a complicated multi-car a...

Been there myself—had my card skimmed at a gas station once. Took about 10 days to get everything straightened out, and the bank's vague "we're lookin...

Fair enough, but a couple things to consider: - Loyalty discounts can be minor compared to new customer deals—sometimes insurers rely on inertia. - Re...

Yeah, I've noticed that too—it's like they're playing hide-and-seek with discounts. Also, don't forget defensive driving courses... took one last year...

Yeah, that's always the tricky part—figuring out if it's worth it. But usually comprehensive claims for vandalism or theft don't bump your rates like ...