Yeah, you're spot on about the savings account check. I've seen way too many people pick a deductible that looks great on paper but leaves them scrambling when something actually happens. Another thing to keep in mind is your car's age and value—if you're driving an older car that's worth less than your deductible, you're basically throwing money away every month. Sometimes it's smarter to just stash that cash aside yourself...just in case.
Good point about older cars—I almost made that mistake myself. Ended up going with a higher deductible to keep monthly payments down, but now I'm just putting the difference into savings...feels safer that way.
I get the logic behind that, but doesn't it feel a bit risky? I mean, what if something happens before you've built up enough savings to cover the deductible comfortably? I went with a mid-range deductible myself—felt like a decent compromise. But now you're making me wonder if I'm just playing it too safe, haha. Guess there's no perfect answer...just gotta cross fingers and hope the car gods are kind.
You're definitely not playing it too safe—mid-range deductibles are popular for a reason. It's all about balancing risk tolerance and financial comfort. Honestly, if you're sleeping well at night, that's a solid sign you've made the right call...car gods or not.
Mid-range deductibles do seem to hit that sweet spot for most folks. I remember when I first got my own policy, I went super low on the deductible thinking I'd be safer that way. But after a few years of paying higher premiums and never filing a claim, I started wondering if I was just throwing money away. Eventually bumped it up to mid-range and felt way better—still covered, but not overspending. Guess it's all about finding your comfort zone...and maybe a little luck from those car gods doesn't hurt either.
