"Honestly, it depends a lot on your driving habits and where you live."
Couldn't agree more with this point. When I first got my luxury sedan, I initially leaned towards a higher deductible to keep premiums down. But after witnessing a friend deal with an expensive repair from a minor fender-bender, I reconsidered. Now I opt for a moderate deductible—still reasonable monthly payments, but less anxiety about unexpected costs. It's all about balancing savings with peace of mind, especially if you're driving something pricier...
Yeah, moderate deductibles usually hit that sweet spot. But if you're commuting daily in a busy city (like me), lower deductibles can really save your wallet—trust me, parking garages are basically bumper-car arenas... learned that the hard way.
Totally relate about parking garages... they're a nightmare. Personally, I stick with moderate deductibles but invest more in extra coverage for uninsured drivers and comprehensive stuff. You never know when someone decides texting is more important than stopping at a red light. Learned to expect the unexpected—saves me stress in the long run.
"Learned to expect the unexpected—saves me stress in the long run."
Couldn't agree more. After a few close calls on road trips, I started doing exactly that—moderate deductible, extra comprehensive coverage. It's like packing an emergency kit... hopefully unnecessary, but priceless when needed.
That's a sensible approach. I've seen plenty of claims where people regretted choosing the highest deductible just to save a few bucks upfront. On the flip side, though, low deductibles can sometimes lead folks to file minor claims they might've been better off handling themselves... premium hikes aren't fun. It's always a balancing act—like deciding whether to pack that extra pair of socks on vacation. Usually unnecessary, but when you need 'em, you're glad they're there.
