I get your point, but honestly, I still lean toward keeping a lower deductible myself. Sure, monthly premiums sting a bit more, but when something happens—and trust me, something always does—it's less painful to cough up a couple hundred bucks than a grand or more. Had a windshield crack outta nowhere last winter...wasn't even driving fast. Glad I didn't have to scramble for extra cash right then. Guess it's all about how much risk you're willing to stomach.
"Had a windshield crack outta nowhere last winter...wasn't even driving fast."
Haha, been there! But honestly, I still prefer a higher deductible myself. I'm a student driver, so my premiums are already sky-high (thanks, insurance companies 🙄). I'd rather save a bit each month and just cross my fingers nothing major happens. Besides, if I ever do have to pay that big deductible, I'll just live on ramen noodles for a month—college life has trained me well for that scenario.
Yeah, cracked windshields are the worst...had one happen to me on a super cold morning, just warming up the car. Honestly though, I get why you'd risk the higher deductible. When I bought my first policy, I went back and forth forever. Eventually settled on a lower deductible because knowing my luck, something would happen right when I'm broke, haha. But if you're good at saving money each month, your approach totally makes sense. Just gotta do whatever helps you sleep better at night, right?
"Eventually settled on a lower deductible because knowing my luck, something would happen right when I'm broke, haha."
Haha, I feel this deeply. As someone who's had a few too many "oops" moments behind the wheel (let's just say my insurance company knows me by name...), I went with a lower deductible too. Sure, the monthly premium stings a bit more, but it beats scrambling for cash after an unexpected fender-bender. Guess it really boils down to how much risk you're comfortable with and how often Murphy's Law visits you personally...
I get the logic behind lower deductibles, but honestly, I went the opposite route. Figured I'd rather save monthly and just stash some cash aside for emergencies. Worked fine until my kid backed into the mailbox... twice. Murphy's Law indeed.
