Peace of mind definitely has its value, so I get where you're coming from. Still, if you're mostly doing short commutes and rarely hitting the highway, a higher deductible could save you quite a bit over time... something worth considering.
Yeah, that's a fair point. I've always leaned toward higher deductibles myself—mostly because I figure I'm careful enough to avoid most minor scrapes. But then again, I do a ton of highway driving for road trips, so maybe my logic's a bit backwards, haha. Have you ever had to actually pay out your deductible? Curious if that experience changed your perspective at all...
I just bought insurance for the first time recently and honestly, picking the deductible was a total shot in the dark for me. I went with a lower one because knowing my luck, I'd probably back into a mailbox the day after signing up... true story, I once scraped my mom's car literally backing out of our own driveway. So yeah, I figured better safe than sorry. Haven't had to pay it yet, thankfully, but I'm sure the first time I do I'll rethink everything all over again, lol.
I feel you on the mailbox anxiety, haha... Personally, I went step-by-step: thought about my monthly budget, checked my savings account (just in case), and then imagined the worst-case scenario. Ended up somewhere in the middle—safe but not overly pricey. Still second-guessing myself though.
Haha, mailbox anxiety is too real. Reminds me of when I first got my car and just randomly picked a deductible because it sounded "reasonable." Fast forward a few months, and I'm standing at the shop after a fender-bender, realizing I had no clue what I'd signed up for. Ended up paying way more out-of-pocket than I expected—lesson learned the hard way.
Since then, I've gotten a bit smarter (I hope). I usually think about what amount wouldn't totally wreck my month if something happened. Like, if paying $1000 unexpectedly would mean eating ramen for weeks, then that's probably too high. But if $500 feels manageable without too much pain, that's probably the sweet spot. Still, every renewal I stare at those numbers and wonder if I'm making the right call... guess that's just part of adulting.
