Not gonna lie, I get where you’re coming from—insurance can feel like a money pit, especially when you rarely make a claim. But after a cross-country trip a few years ago, I saw the other side. My buddy’s old Chevy got rear-ended in the middle of nowhere. The repairs were way more than what he’d saved by going for the cheapest policy. His “barebones” coverage didn’t even come close to covering the damage, and he ended up selling the car for parts. That stung.
I agree, the paperwork side is a pain. It’s 2024, why are we still dealing with blurry scans and random receipts? But I’ve found some insurers are getting better about digital docs, especially if you keep a running photo log of your car. Not perfect, but it helps.
On agreed value—yeah, it’s pricey, but for some cars it’s worth it. If you’ve put in years restoring something rare, that extra cost can mean you actually get what it’s worth if disaster hits. For a weekend cruiser or something you don’t care about as much, maybe basic is fine. But if you’d be heartbroken to lose it, sometimes that “peace of mind” is more than just a sales pitch.
Guess it comes down to how much risk you’re cool with. Saving cash is great until you’re stuck on the side of the road with a totaled classic and no way to fix it. Just my two cents...