Yeah, I get the logic, but knowing my luck, the second I drop coverage for small stuff, I'll catch a rock chip right in my line of sight. Happened last year—tiny crack turned into a full windshield replacement overnight. Still, you're probably right about premiums adding up over time... maybe I'll just start tailgating less and crossing fingers more often.
Totally get your hesitation—windshield cracks seem to have this sixth sense for when you've just changed coverage. But honestly, if you're commuting frequently and logging serious mileage, the odds might actually lean in your favor over time. I did the math a while back (because I'm that kind of commuter, lol), and realized that the premiums for comprehensive coverage added up to way more than the occasional windshield fix or minor dent repair would cost out-of-pocket.
Also, consider that some glass shops offer pretty affordable rock-chip repairs if you catch them early enough. Last year, I got a chip right smack dab in front of me—annoying as hell—but they filled it for like 30 bucks, and it's barely noticeable now. Might be worth checking around your area for places that offer quick repairs like that. And yeah... easing off tailgating helps too; fewer rocks kicked up means fewer chips overall.
True, comprehensive can be a money pit if you're higher-risk like me. I dropped it a while back and just budget a bit each month for repairs—saved a decent chunk already. Plus, learning DIY windshield chip fixes isn't too hard... YouTube's your friend there.
Yeah, dropping comprehensive can definitely save cash if you're comfortable with the risk. But have you thought about roadside assistance coverage? For road trips, it's been a lifesaver for me—flat tires and dead batteries happen at the worst times... worth considering.
I've always kept roadside assistance on my policy, honestly. Dropping comprehensive makes sense if you're cool with the risk, but roadside assistance is such a small cost for big peace of mind. Last summer I got stranded with a flat tire on some random backroad at night... no spare. Called roadside and they showed up quick, no hassle or extra fees. For me, that's worth every penny, even if I rarely end up needing it.
