I get where you're coming from, and yeah, peace of mind is def worth something. I usually lean towards a slightly higher deductible myself, but after my windshield got cracked by flying gravel on the highway last summer, I totally reconsidered... life's random like that.
"life's random like that."
Yeah, exactly why I tend to be skeptical about going too high on deductibles. Couple quick thoughts:
- If your car's older or not worth a ton, higher deductible makes sense—you're probably not gonna claim minor stuff anyway.
- But for classics or anything rare... parts and repairs can get pricey fast. Learned that the hard way when my '68 Mustang got sideswiped in a parking lot.
- Honestly, it's a balancing act between saving on premiums and not getting blindsided by unexpected costs. I usually crunch some numbers and see what feels comfortable...
Yeah, totally get that balancing act. Had a windshield crack halfway through a cross-country trip once—unexpected $500 deductible hit wasn't fun. Ever factor in your typical driving habits or travel frequency when deciding?
"Had a windshield crack halfway through a cross-country trip once—unexpected $500 deductible hit wasn't fun."
Oof, been there myself—nothing like a cracked windshield to spice up a road trip, right? 😂 Honestly though, your driving habits definitely matter. If you're someone who racks up miles like crazy (guilty as charged here), going for a lower deductible can save headaches down the line. But if your car mostly chills in the driveway, might as well pocket the savings upfront. It's all about knowing your risk tolerance...and how much you trust your luck!
I get where you're coming from, but does mileage really matter that much for deductible choice? I mean, accidents or random stuff like windshield cracks can happen anytime—even parked cars aren't immune (ask me how I know...). Isn't it more about your emergency fund situation? Like, if you can comfortably handle a surprise $500 expense, wouldn't it make sense to keep deductibles higher and premiums lower overall? Just thinking out loud here...
