I get the peace of mind thing, totally do. But honestly, I've found a decent middle ground by picking a deductible that's manageable but still saves me some bucks monthly. Having a super low deductible always felt like overkill for me—I'm cautious, sure, but I don't wanna feel like I'm tossing money at something I might never use. It's about finding that sweet spot between feeling safe and not losing sleep over wasted cash, y'know?
- Totally get your logic, but for me it boils down to a few key things:
• How much emergency savings I've got set aside—if it's healthy, I can comfortably bump up the deductible.
• The age and reliability of my car—older cars might not be worth low deductibles.
• My driving habits and local conditions—busy city driving or harsh winters make me lean towards a lower deductible.
- Basically, crunching some quick numbers and weighing personal risk tolerance helps me land in that comfortable middle zone you're talking about.
Pretty much agree, though honestly, I just go high deductible and roll the dice. My old Subaru's seen worse than a little city traffic...and I'd rather save cash for road trips than pay extra premiums.
"Pretty much agree, though honestly, I just go high deductible and roll the dice."
I get where you're coming from, but personally I'd be cautious with that approach. Consider this: if an accident happens (even minor fender benders), repairs can quickly surpass your deductible. Maybe crunch some numbers first before gambling on luck...
Yeah, I feel you on the high deductible temptation—those lower premiums look pretty appealing when you're budgeting. But as someone who's just getting into the insurance game, I'm leaning toward playing it safe. I mean, I had a friend who went high deductible to save money, then got rear-ended in a parking lot... repairs were way more than expected. Guess it's all about your comfort level with risk, but definitely worth thinking twice before rolling those dice.
