Man, I hear you on the “repair fund” disappearing act. Every time I try to stash some cash for emergencies, it somehow turns into new wiper blades or a set of tires I “needed.” I’d rather pay a bit more each month too—less stress if something goes wrong. High deductibles sound good until you actually have to use them... then it’s just pain. Peace of mind wins for me, even if it costs a little extra.
High deductibles sound good until you actually have to use them... then it’s just pain.
I get where you’re coming from, but I’ve actually saved a decent chunk over the years by sticking with a higher deductible. Yeah, it stings if something happens, but honestly, I’d rather risk it than pay the insurance company more every month. Maybe I’m just too stubborn to let them win, but so far, it’s worked out for me. Guess it depends how much risk you’re willing to stomach.
I get the appeal of saving on premiums, but with my car, I just can’t stomach the idea of a massive out-of-pocket bill if something goes wrong. One fender bender and that “savings” disappears fast. Maybe I’m just too cautious, but peace of mind’s worth it for me.
Totally get where you’re coming from. I tell folks all the time—saving a few bucks on premiums is great until your bumper meets a shopping cart at Mach 2. If you’d rather sleep easy than gamble, that’s not being too cautious... that’s just being smart with your sanity.
Couldn’t agree more about the “saving a few bucks” thing. I’ve been driving for decades, and honestly, every time I tried to cut corners with a higher deductible, I ended up regretting it. One time, a kid on a bike clipped my mirror in a parking lot—barely a scratch, but the repair bill was just under my deductible. That’s when I started asking myself: how often do I want to be reaching into my own pocket before insurance actually helps?
Do you have a rainy day fund set aside for emergencies? If not, a lower deductible just makes sense. But if you’re the type who never files claims and keeps your car in a garage, maybe you can risk it. For me, peace of mind is worth a few extra bucks a month. Why gamble with your own money if you don’t have to?
