Had a similar experience with my old Mustang. Some insurers were chill about it, others acted like I was insuring the Mona Lisa... Definitely worth the extra legwork to find one that's fair and doesn't make you jump through hoops.
Honestly, I get the frustration, but sometimes jumping through a few hoops isn't the worst thing. Had a buddy who went with one of those "chill" insurers because it was easy and cheap... then got rear-ended by someone uninsured. Suddenly, all that chill turned into a nightmare when he realized his coverage barely covered anything. I'm not saying you gotta insure the Mona Lisa, but sometimes those extra questions and checks mean they're actually paying attention to what they're covering. Saving cash is great until something happens and you're left holding the bill. Just my two cents from someone who's seen it go sideways.
Yeah, I get what you're saying. I'm pretty new to the whole insurance thing, and honestly, it feels like I'm just paying for a bunch of "what ifs." But your buddy's story makes me think twice. I went with the bare minimum because, well... money. But now I'm wondering if saving a few bucks is worth the risk of ending up in a mess later.
I mean, it's not like I drive a Ferrari or anything (my car's more like a rolling toaster), but still... repairs aren't cheap. Maybe I should look into bumping up coverage a bit. Just feels like insurance companies are always trying to upsell stuff I don't actually need, you know? Hard to tell what's legit and what's just padding their pockets.
Anyway, appreciate you sharing that story—definitely food for thought. Guess I'll do some more homework before sticking with the "bare bones" plan.
Been there myself—went with the minimum coverage for years because, honestly, who wants to spend extra on something you might never use? But then a minor fender-bender taught me repairs add up faster than you'd think, even on my old beater. It's tricky though, because you're right, insurance companies do love their upsells. Maybe just bumping up liability or adding collision coverage could be worth it... definitely worth crunching the numbers before deciding.
"Maybe just bumping up liability or adding collision coverage could be worth it... definitely worth crunching the numbers before deciding."
You bring up a really good point here. I was in a similar boat a few years back—figured minimum coverage was fine since my car wasn't exactly fresh off the lot. But then, during one of my road trips (nothing epic, just a weekend getaway), I had a run-in with a deer. Thankfully, everyone was fine, but the repair bills were pretty eye-opening. Even minor cosmetic fixes can seriously add up.
I get your hesitation about insurance upsells though; companies do tend to push extras that may not always make sense for your situation. Still, it might be worthwhile to at least consider collision coverage if your area has lots of wildlife or tricky weather conditions...just something to think about. Either way, it's always smart to revisit and reassess your policy every year or two—circumstances change, and sometimes so do the numbers.
