Couldn't agree more with the shoe analogy, haha. I've seen people go super low on deductibles thinking they're being smart, but then they're paying way too much monthly for coverage they'll probably never use. On the flip side, I've also had clients who chose sky-high deductibles to save a few bucks, only to panic when something actually happens. Middle-ground is usually the sweet spot—affordable premiums and manageable out-of-pocket costs if things go sideways. Glad you found your balance!
Yeah, middle-ground usually works best, but honestly it depends on your personal situation. I've seen folks underestimate their risk and regret it later... better to pay a bit more monthly than get blindsided by a huge bill down the road. Just my two cents.
Middle-ground can seem like a safe bet, but honestly I've found it more helpful to crunch the numbers first. Run a quick calculation on how much you'd save monthly vs. potential out-of-pocket costs... sometimes going higher deductible makes sense if you've got some emergency savings set aside.
Totally agree with crunching the numbers first, that's exactly what I do too. But I'd add that it's also about knowing your own driving habits and comfort level. Like, I drive pretty carefully and haven't had an accident in years (knock on wood...), so going for a higher deductible makes sense financially. Still, you've gotta be honest with yourself—if you're prone to fender-benders or have younger drivers on your policy, a lower deductible might save you headaches down the road.
I'm in the middle of figuring this out right now, and honestly, it's a bit nerve-wracking. Crunching numbers helps, sure, but I'm also thinking about worst-case scenarios. Like, even if I'm careful, what if someone else hits me? Does a higher deductible still make sense then, or is it safer to just pay a bit more monthly for peace of mind? Curious how others weigh that risk...
