Honestly, I’ve wrestled with the same thing. Like you said,
That’s what always makes me hesitate before cutting anything. We had a flat tire in the middle of nowhere once—roadside paid for itself right there. Curious, have you ever actually needed to use your insurance for something unexpected, or has it mostly just been peace of mind?“it only takes one ‘what if’ to wipe out all the savings from years of going barebones.”
Man, I totally get where you’re coming from. I try to pinch pennies where I can, but the one time my alternator died on a camping trip, having roadside was a lifesaver—literally got towed out of the woods. Otherwise, insurance has mostly just been for peace of mind. Sometimes I wonder if it’s overkill, but that one incident paid for years of premiums, no joke.
Totally hear you on the peace of mind thing. I used to think roadside assistance was just another way for insurance companies to squeeze more money out of us, but after my battery died in the middle of nowhere last winter, I changed my tune fast. Still, I sometimes wonder if all those “extras” are worth it—like rental coverage or glass protection. Feels like you’re paying for stuff you might never use, but then again, when you do need it, it’s a game changer. Guess it’s just one of those necessary evils if you want to avoid a total headache down the line.
Feels like you’re paying for stuff you might never use, but then again, when you do need it, it’s a game changer.
I used to skip glass protection too, thinking it was overkill. Then a rock cracked my windshield on the highway—ended up costing way more than the coverage would have. It’s tough to know what’s “worth it” until you’re in that spot.
I totally get that dilemma. My cousin laughed at me for adding roadside assistance, but then his car battery died during finals week and he had to pay out of pocket. Has anyone regretted skipping any other “extras” like rental coverage or accident forgiveness?