I get where you're coming from, but honestly, sometimes it's the weirdest stuff that catches you off guard. Had a friend with an older Civic—nothing fancy, just reliable—and he skipped comprehensive too. Then one night, a random storm blew a tree branch right onto his windshield. Not a huge disaster, but still cost him more than he'd saved skipping coverage. It's all luck, I guess...but worth thinking about.
I see your point, but honestly, comprehensive coverage isn't always the no-brainer it seems. I drive a luxury car (not bragging, just context), and you'd think I'd be all-in on comprehensive, right? But here's the kicker—my deductible is so high that when a rogue shopping cart decided to introduce itself to my passenger door, I ended up paying out-of-pocket anyway. Sure, comprehensive can save you from those random tree branches or hailstorms, but if your deductible is steep enough, you're still footing most of the bill.
I guess what I'm saying is, it's not just luck—it's also about weighing your deductible against the likelihood of minor mishaps. Sometimes skipping comprehensive makes sense if you're comfortable with a little risk...or if you have a garage and avoid parking under suspiciously shaky trees. Just food for thought!
That's a good point about deductibles—makes me wonder, is there a sweet spot for deductible amounts? Like, at what point does it become worth it to just skip comprehensive altogether? I'm driving an older car (definitely not luxury, lol), and I've been debating dropping comprehensive coverage entirely. Anyone else done the math on this or found a good rule of thumb for deciding when it's time to ditch comprehensive?
I dropped comprehensive on my old Civic a couple years back. It was like 12 yrs old, worth maybe $3k tops, and after crunching the numbers, I realized I'd basically pay more in premiums over a couple years than the car was even worth. My rule of thumb was, if the car's value is low enough that replacing it wouldn't totally wreck my finances, comprehensive probably isn't worth it. Worked for me, anyway...
I get your reasoning, but honestly, comprehensive has saved my butt more times than I can count. Couple years back I had an older Mazda, worth maybe $2500 tops. Thought about dropping comp too, but didn't. Good thing—couple months later a tree branch decided to land square on my windshield during a storm. Insurance covered it fully, no questions asked. With my driving record (let's just say I'm not exactly a model citizen behind the wheel...), I'd rather pay a bit extra upfront than roll the dice.
