It’s not always about the car’s value, honestly... sometimes it’s just about not having to stress every time there’s a thunderstorm.
I get that, but I’m still a little on the fence. Here’s how I looked at it: First, I checked what my car was actually worth—like, would insurance even pay out enough to make full coverage worth it if something happened? For my old Civic, the numbers didn’t really add up. Second, I thought about where I park and drive. If you’re street parking under trees or in a hail-prone area, yeah, that’s a different story.
But honestly, I’ve had years where nothing happened and felt like I was just burning money on extra coverage. Then again, my buddy got sideswiped in a parking lot and the other driver bailed—he was glad he had more than just liability.
I guess my take is: weigh the odds, check your risk tolerance, and don’t just go by what everyone else does. Sometimes peace of mind is worth it... sometimes it’s just expensive peace of mind.