That’s a smart move, double-checking what’s actually covered. I’ve seen folks get burned by those “bare bones” policies when something unexpected happens. You mentioned,
—that’s spot on. I’ve always wondered, is it really worth saving a few bucks if you end up stranded or paying out of pocket after a storm? Arkansas weather really does keep us on our toes. I get missing the personal touch with an agent, but at the end of the day, coverage that actually works for you matters more.“Some of those ‘cheap’ policies leave out stuff like rental reimbursement or roadside, which can bite you later.”
“is it really worth saving a few bucks if you end up stranded or paying out of pocket after a storm?”
I used to think it was, honestly. I’d always go for the cheapest policy and just cross my fingers. Then last year, my car got stuck in a ditch during one of those surprise ice storms—turns out, no roadside coverage. Had to shell out $180 for a tow. That “few bucks” I saved each month didn’t feel so smart after that. Still, I get why folks want to cut costs, but Arkansas weather doesn’t play around... sometimes it’s better to pay a little more for peace of mind.
Honestly, I hear you, but I’ve gotta disagree a bit. Not everyone needs the “full package” coverage, especially if you barely drive or have an older car that’s not worth much. My first car was a beater and I kept it super basic—never needed roadside, just called a buddy if I got stuck. Yeah, it’s risky, but for some people that gamble makes sense. Guess it really depends on your situation and how much risk you’re cool with.
Yeah, it’s risky, but for some people that gamble makes sense.
Totally get where you’re coming from. I drove my old Corolla into the ground with just liability and never missed the extras. But after a friend got rear-ended and had zero coverage for their own car, I started thinking twice. Guess it’s all about how much you’re willing to roll the dice.
- Been there too—ran my old Civic with just liability for years and never had an issue.
- But when I upgraded to something newer, I started thinking about full coverage... peace of mind, you know?
- Guess it depends on your comfort level and how much you rely on your car day-to-day.
- Ever had a claim where you wished you’d picked more coverage, or did liability always work out for you?
