"Mid-range deductibles do seem to hit that sweet spot for most folks."
- True, but isn't it also about your driving habits?
- I commute daily through heavy traffic, so even minor fender-benders are a real possibility...
- For me, paying a bit extra monthly for a lower deductible feels safer—peace of mind matters too.
Yeah, mid-range deductibles are usually a decent compromise, but doesn't it also depend heavily on your financial situation? If you're tight on cash and something happens, even a mid-range deductible can sting. I commute every single day too, and honestly, I've seen enough close calls to make me think twice about going higher just to save a few bucks monthly. Sure, lower deductibles mean paying more upfront each month, but when you're stuck in bumper-to-bumper traffic regularly, the odds of minor scrapes or dings go way up. I'd rather budget for a predictable monthly expense than suddenly scramble to cover a big deductible after an accident. Anyone else feel like traffic has gotten worse lately? Seems like every week there's another fender-bender slowing things down...
Totally get where you're coming from. I'm considered high-risk, so lower deductibles mean hefty monthly payments—but man, one minor accident taught me it's worth avoiding that sudden financial hit. Traffic's definitely worse lately...or maybe I'm just noticing it more?
Just went through this myself—first-time insurance buyer here. I initially leaned towards a higher deductible to save monthly, but after my roommate's minor bump turned into a surprisingly big bill, I reconsidered. Settled somewhere in the middle...felt like the safest bet. Traffic does seem crazier lately too, or maybe it's just nerves from finally having my own car? Either way, glad I didn't go too high on that deductible.
"Traffic does seem crazier lately too, or maybe it's just nerves from finally having my own car?"
Honestly, I think it's a bit of both. When I first got our family car, I went for a higher deductible thinking I'd save money each month. But then my partner had a tiny fender-bender in a parking lot—barely noticeable damage—and the repair bill shocked us. Made me rethink the whole thing. Now I'm wondering if going middle-ground like you did might've been smarter...guess hindsight's always clearer, huh?
