Still, I’d rather save on premiums and take my chances.
I get wanting to save, but I’ve seen too many trips cut short by surprise repairs. For me, paying a bit more for peace of mind is worth it. One bad hit and the savings disappear fast.
Honestly, I lean toward the lower deductible too. With my last car, a minor fender bender set me back way more than I expected, and the “savings” on premiums just vanished. Especially with luxury models, even a small scratch can cost a fortune to fix. I get wanting to save, but the peace of mind’s worth it for me—those repair bills can sneak up fast.
Yeah, I hear you on the repair costs—especially with anything that’s not your run-of-the-mill sedan. Ever tried getting a replacement part for a classic or even just an older import? Sometimes you’re waiting weeks and paying triple what you’d expect. I get why people want to save on premiums, but one bad scrape and suddenly that “savings” is gone. Is it really worth the gamble if you’re driving something that’s expensive to fix? I’d rather pay a bit more up front than get blindsided later.
Man, picking a deductible is like betting on yourself not to screw up. I always think, “Yeah, I’ll be careful this year,” and then... curb rash or mystery dent. I keep my deductible low because my luck’s about as reliable as a weather app.
I always think, “Yeah, I’ll be careful this year,” and then... curb rash or mystery dent.
That’s the story every year, isn’t it? I’ve seen people swear they’ll baby their car, only to end up with a rogue shopping cart incident two weeks later. Honestly, picking a deductible really does feel like a weird bet with yourself. I get why you keep yours low—some folks just have that “magnet for trouble” luck, no matter how careful they are.
I’ve actually had clients who went years without a claim, bumped their deductible up to save a few bucks, and then—bam—hailstorm or a fender bender. On the flip side, there are folks who roll the dice with a higher deductible and never need it. It’s all about your comfort level. If a $1,000 surprise would ruin your month, sticking with the lower deductible makes sense. If you’re okay taking the risk to save on premiums, that’s cool too. There’s no perfect answer, just what lets you sleep at night.
