Feels like most people have it through their phone plan or credit card anyway, so paying extra seems redundant.
Yeah, the exclusions are wild. Never even thought about rodents messing with my car, but now I’m kinda paranoid about it. Glass coverage does seem smart—my friend got hit by a flying pebble on the bypass and his deductible was brutal. I skipped roadside assistance too, mostly because I figured my phone plan covers it, but watch that be the one time it doesn’t work when I actually need it. Insurance is such a weird game.
I skipped roadside assistance too, mostly because I figured my phone plan covers it, but watch that be the one time it doesn’t work when I actually need it.
That’s exactly my worry. I cheaped out on roadside too, then my tire blew out in the middle of nowhere and my phone plan’s “coverage” was basically just a list of numbers to call. Ended up paying out of pocket anyway. Insurance feels like a gamble half the time.
Yeah, I learned the hard way too. Thought I was being smart by skipping all the “extras” on my policy, but then I rear-ended someone last winter and the tow truck bill alone was brutal. My insurance barely touched it because of some fine print I didn’t bother reading. Honestly, sometimes it feels like you’re just rolling the dice with these companies. You save a bit upfront, but when stuff actually goes sideways, you’re on your own.
Man, I hear you. Had a similar thing with my old '72 Chevelle—skipped roadside assistance thinking, “What could go wrong?” Next thing I know, I’m stranded with a busted fuel pump and a tow bill that made my wallet cry. Ever notice how the “extras” seem pointless until you actually need them? Which extras do you think are actually worth it?
Honestly, roadside assistance is the only “extra” I’ll never skip again. I used to think it was just a money grab, but after one flat tire in the pouring rain, I was sold. Rental coverage is nice too if you can swing it, but stuff like windshield chip repair? Meh, not for me.