Yeah, makes sense. I usually go higher deductible myself—I'm skeptical about paying extra every month for something I might never use. But you're right, peace of mind does count for something. Had a fender bender once and instantly regretted my high deductible choice...lesson learned, I guess. Seems like you're making a pretty balanced call.
Totally get where you're coming from. I went with a higher deductible too, thinking I'd save money in the long run. Then, of course, someone backed into me in a parking lot—nothing major, but enough to sting when paying out of pocket. Still, even after that experience, I'm sticking with the higher deductible. For me, it's about balancing the risk with monthly savings...just gotta hope lightning doesn't strike twice I guess.
I mean, I get the logic behind higher deductibles, but honestly, when you're driving something pricey, it doesn't always pan out. A minor scrape that'd cost a few hundred bucks on a regular car can easily run into thousands if you're dealing with luxury paint jobs or specialized parts. Learned that lesson the hard way myself... I'd rather pay a bit more monthly than stress about every parking lot ding turning into a financial headache. Guess it depends how much peace of mind is worth to you.
Totally see where you're coming from. Had a similar experience myself—thought I'd save a few bucks monthly with a higher deductible, then got hit with a nasty repair bill after someone barely grazed my bumper. Luxury paint matching alone is ridiculously pricey, never mind the specialized parts. Honestly, peace of mind has its own value, and sometimes paying a bit extra each month is worth avoiding that anxiety every time you park somewhere sketchy... Lesson learned indeed.
