Totally get where you're coming from, but sometimes comprehensive isn't always the best call—especially if your car's older or lower value. Had a client recently whose deductible was almost as much as the repairs, so it barely helped. It's all about weighing risk vs. reward, y'know?
Yeah, that's exactly what I'm wrestling with right now. My car's basically ancient—like, it still has a CD player and manual windows ancient. 😂 So comprehensive feels kinda pointless, but then again, knowing my luck, the second I drop it, a tree branch or something random will decide to fall on it. Murphy's law, right?
I guess my main hang-up is figuring out where that tipping point is. Like, at what car value or age do you guys think it's safe to ditch comprehensive coverage without feeling like you're tempting fate? Feels like there's gotta be some sweet spot between saving money and not totally regretting life choices later...
I'm in a similar boat—I dropped comprehensive on my old sedan a couple years back when its value dipped below $2,500. Just didn't seem worth it, especially with the deductible factored in. But now you've got me wondering if I jumped the gun... Have you considered getting an estimate on your car's current market value and comparing it directly against your deductible and premiums? Might give you a clearer picture of whether it's worth hanging onto comprehensive coverage or not.
I hear you on that one—I dropped comprehensive a while back too, after my trusty family wagon hit the "worth less than my kid's braces" stage. Honestly, I felt pretty smart about it until my neighbor's tree branch decided to take a nap on my windshield last summer. Suddenly, that deductible didn't seem so steep anymore... But yeah, checking current market value against your premiums is probably the smartest move. Just don't ask me to predict falling branches.
Been there myself—thought I was saving a bundle ditching comprehensive until a deer decided my hood was the perfect landing pad at 2am. Lesson learned: if you're accident-prone (like me), comprehensive might still be worth it, even on a beater.
