"Guess you never really know what's around the corner..."
Haha, ain't that the truth. I've had my fair share of "surprise" encounters—mostly curbs and parking poles, but still counts, right? Dropping collision always sounds tempting until you're staring at a dented fender and an empty wallet. Glad you kept it; sometimes peace of mind is worth the extra bucks, especially for us magnet-for-trouble types...
Totally get where you're coming from with the collision coverage dilemma. I went through something similar a couple years back—figured I'd save some cash by dropping collision on my older sedan. Seemed logical at the time, right? Well, fast forward about three months, and I'm backing out of a tight spot downtown when BAM... clipped a concrete pillar I swear wasn't there before. Suddenly, that "smart" decision didn't feel so smart anymore.
Ended up paying out-of-pocket for repairs, and let me tell you, bodywork isn't cheap—even on an older car. Made me rethink the whole cost-benefit thing. Sure, premiums can sting a bit each month, but how much are you really saving if one little mishap wipes out all those savings in one go?
Guess it boils down to your comfort level with risk and your emergency fund situation. For me, lesson learned the hard way: sometimes paying a bit extra upfront saves you from bigger headaches later on...
I see your point, but honestly, if my car was older and not worth much, I'd probably still skip collision. I mean, repairs suck, but paying premiums month after month for a car that's barely worth fixing anyway... doesn't seem worth it to me.
I get where you're coming from, and yeah, collision coverage on an older car can feel like tossing money away sometimes. But honestly, as someone who's still pretty new to driving and probably overly cautious (thanks, mom and dad...), I'd hesitate to drop it completely.
A friend of mine had a similar mindset—he drove this old beat-up Civic that was probably worth less than my laptop. He figured collision wasn't worth it either, so he skipped it. Then one rainy day, he slid into a curb and messed up his axle pretty badly. The repair estimate came back higher than the car's value, and he ended up having to scrap the car entirely. Sure, the car wasn't worth much, but suddenly having no vehicle at all really threw him off for weeks.
I guess what I'm saying is, even if your car isn't worth a lot on paper, it's still your transportation. If something happens and you can't afford to fix or replace it right away, that could cause a lot more headaches than the monthly premiums ever did. Maybe there's a middle ground—like raising your deductible so your premiums drop significantly? My older sister did that with her old Corolla and said it saved her quite a bit each month without leaving her totally uncovered.
Just something to consider... I know insurance feels like a gamble either way, but sometimes peace of mind is worth paying a little extra for.
Totally get the hesitation, but honestly, I've seen enough "I thought I'd never need it" stories to fill a book. Raising your deductible is a solid compromise—keeps premiums lower without leaving you stranded if things go sideways. Plus, Murphy's Law loves uninsured cars...just sayin'.
