Yeah, totally agree with this. Smaller insurers can sometimes surprise you—they're not always just number-crunching robots. Had a buddy who got hit wi...

Totally get where you're coming from. A few thoughts from my own experience: - Accident forgiveness sounds great until you realize you're basically p...

Haha, true story! I've bounced between both over the years—mostly chasing better rates (gotta save those pennies for gas money, right?). State Farm's ...

Gotta say, I admire your optimism on insurance paperwork being predictable...for me, it's always been more like playing whack-a-mole. Just when I thin...

Had almost the exact same headache a couple years back—DMV swore up and down they never got my SR-22, even though I literally showed them the confirma...

Good points all around. I've always tried to keep it simple for myself: - If my car's old enough to legally drink, I'm not paying extra for a low ded...