I see your point about comprehensive coverage, especially with unpredictable events like hail. Still, I've found that setting aside the money I'd spend on comprehensive premiums into an emergency fund works better for me. Over the years, the savings have outweighed potential repair costs. Of course, it depends heavily on your area's weather risks and how comfortable you are with unexpected expenses... everyone's mileage varies on this one.
I totally get your reasoning, but I gotta admit, the one time I skipped comprehensive coverage, it bit me pretty hard. Couple years ago, parked my car under a tree overnight—seemed harmless enough—and woke up to a massive branch smashed right through my windshield. Wasn't even stormy or anything, just bad luck. That emergency fund idea sounds smart on paper, but after shelling out for that windshield replacement myself... let's just say I'm back on team comprehensive. Guess it really does depend on your comfort level with surprises, haha.
Yeah, comprehensive coverage is one of those things you don't really appreciate until you need it. I've always been cautious myself—seen too many friends get burned by random stuff like deer collisions or hail damage. If you're thinking about skipping comprehensive, I'd suggest at least checking out your area's common risks first (wildlife, weather patterns, etc.). Might save you from an expensive lesson down the road...
"seen too many friends get burned by random stuff like deer collisions or hail damage."
Yeah, I hear ya... I used to think comprehensive was just extra padding until a deer jumped out at me last fall. Trust me, even as someone who tends to push the limits, it's worth the peace of mind.
I totally get where you're coming from. A few years back, I was driving home after a family dinner and out of nowhere, bam, a deer clipped my front fender. Thankfully, I had comprehensive coverage at the time. Honestly, it's one of those things you don't fully appreciate until you need it.
"Trust me, even as someone who tends to push the limits, it's worth the peace of mind."
Couldn't agree more—it's not about being overly cautious, just realistic given the unpredictability of driving. Glad you figured out your state's rules though... every bit saved counts these days.
