Had a friend with a classic Camaro who cheaped out, then got hail damage. He was out of pocket way more than he saved.
- Totally get the “what ifs” thing, but I always wonder—doesn’t it depend on how often you drive it?
- My daily’s a beater Civic, so I keep the deductible high and just cross my fingers.
- For something like your Mustang, though, yeah... one bad storm and you’re toast.
- Ever notice how insurance feels like betting against yourself? Like, “How unlucky am I gonna be this year?”
- I’ve run the numbers a few times, but honestly, peace of mind usually wins out over saving a few bucks.
Honestly, I get the peace of mind angle, but sometimes folks overpay for it. If you rarely drive the car or keep it garaged, a higher deductible can make sense. It’s not always “one size fits all”—risk really does depend on your habits. I’ve seen people save a lot just by tweaking coverage to match how they actually use their cars.
It’s not always “one size fits all”—risk really does depend on your habits.
That’s such a good point. Honestly, I talk to people all the time who feel like they’re supposed to pick the “safe” option, even if it doesn’t fit their situation. Ever try running the numbers both ways? Sometimes the difference in premium is bigger than folks expect, especially if you don’t drive much or have a spotless record. Just curious—have you ever actually had to file a claim? Sometimes people pay for years and never use it, which totally changes how that gamble feels.
