I get where you’re coming from, but I’ve seen folks pay for every extra under the sun and barely use any of them. Sometimes, the math just doesn’t add up—especially if you’ve got a high deductible or rarely drive. I skipped rental reimbursement for years and never missed it, even after a fender bender. Guess it really depends on your risk tolerance and driving habits.
I totally get where you’re coming from—there’s a lot of “extras” that sound good on paper but just don’t make sense for everyone. I’ve seen people tack on roadside, glass coverage, rental, and all the bells and whistles, then never actually use any of it. The high deductible thing is a big one too; if you’re not driving much or your car’s not worth a ton, sometimes it just doesn’t add up.
That said, I’ve also seen folks regret skipping certain coverages when something unexpected happens. Rental reimbursement is one of those things where you don’t need it until you really do… but if you’ve got another car or can get by without for a bit, it’s probably not worth the extra bucks every month. It really does come down to how much risk you’re comfortable with and what your day-to-day looks like.
Funny enough, I once had a guy who paid for every single add-on for years—he joked his insurance was more “comprehensive” than his health plan. Never filed a claim until he moved out of state and dropped half the coverage. Murphy’s Law, right?
I hear you on the “extras”—I used to think roadside was pointless until my wife’s car died on a road trip with the kids. That one tow paid for years of coverage. Curious, has anyone actually had glass coverage pay off? I’ve never needed it, but maybe I’m just lucky.
Glass coverage actually comes up more than people expect, especially with all the gravel and construction zones around here. I’ve seen clients get a cracked windshield from a single rock, and the replacement cost can be surprisingly high—sometimes $400 or more. It’s one of those things you don’t think about until it happens. Out of curiosity, does anyone here know if Alabama insurers typically offer zero-deductible glass coverage, or is it always bundled with comprehensive? That seems to vary a lot by state.
the replacement cost can be surprisingly high—sometimes $400 or more. It’s one of those things you don’t think about until it happens.
Yeah, that hits close to home. I had a tiny pebble crack the windshield on my S-Class last year, and the bill was north of $1,200—OEM glass isn’t cheap. In my experience, Alabama insurers usually bundle glass with comprehensive, and zero-deductible glass isn’t standard like it is in some other states. I had to specifically ask for it, and even then, only a couple of companies offered it as an add-on. It’s wild how much it varies depending on the car, too... luxury models seem to get hit hardest on replacement costs.
