Yeah, been there myself. I commute daily and figured I'd save a bit each month by upping my deductible—until I hit a pothole hard enough to mess up my suspension. Suddenly that "smart" high deductible wasn't looking so smart anymore...lesson learned the hard way. Now I stick with a mid-range deductible too. Feels like the best balance between monthly savings and not sweating bullets every time I hear a weird noise from under the hood, haha.
"Feels like the best balance between monthly savings and not sweating bullets every time I hear a weird noise from under the hood, haha."
Couldn't agree more with this. I've always leaned towards practicality myself—especially since I drive an older classic. Initially, I thought a higher deductible would be fine because I'm careful and don't drive daily, but then reality hit when my windshield cracked from road debris. Suddenly, that high deductible didn't seem worth the stress. Mid-range deductibles really do strike that sweet spot between affordability and peace of mind...lesson learned indeed.
Totally get what you're saying about mid-range deductibles. I commute daily, and honestly, I used to think lower deductibles were just a waste of money. But then last winter, I hit a nasty pothole and messed up my suspension pretty bad. Suddenly, that "affordable" high deductible felt like a gut punch. Now I'm leaning towards something in the middle—like you said:
"Mid-range deductibles really do strike that sweet spot between affordability and peace of mind."
Lesson learned the hard way, I guess...
Been there myself, man. I used to always pick the highest deductible to save a few bucks each month—seemed smart at the time. But after a fender-bender in heavy rain last year, that "cheap" deductible suddenly wasn't so cheap anymore...ouch. Mid-range really does seem like the practical choice if you're driving daily and can't afford surprise expenses. Good call on adjusting your approach—live and learn, right?
Yeah, I hear you on the mid-range deductible thing. I've bounced around between high and low myself, never really sure what's best. Had a buddy who swore by the lowest deductible possible—until he realized he was basically paying for accidents he never had, lol. Makes me wonder if there's some sweet spot or formula out there to figure this stuff out...or maybe we're all just guessing and hoping for the best?
