Man, the double coverage thing got me too. I used to think more was better, but after my second speeding ticket (yeah, not proud), my rates shot up and suddenly every “extra” felt like a money pit. I had rental car coverage through both my insurance and my credit card—never used either. Now I just read the fine print like it’s a mystery novel… except way less fun. Sometimes you really do have to dig to figure out what you’re actually paying for.
Now I just read the fine print like it’s a mystery novel… except way less fun.
That’s honestly the best way to put it. I used to assume “full coverage” meant I was set, but then you realize how much overlap you’re paying for. I’d rather put that cash toward my deductible than pay for perks I’ll never use. It’s wild how easy it is to double up without realizing.
Ever notice how “full coverage” sounds so reassuring until you actually need to file a claim? I found out the hard way that rental reimbursement and roadside assistance were both tacked on, but my credit card already covered those. Did anyone else get tripped up by stuff like glass coverage or medical payments? I’m still not sure if those are worth it or just more overlap.
Glass coverage tripped me up too—my first policy didn’t include it, and a stray rock on the highway cost me a few hundred bucks. Medical payments, though, I usually skip since my health insurance covers most scenarios. It’s wild how much overlap there is if you’re not careful.
Yeah, the glass thing caught me off guard too. I was trying to save money and skipped it, but then my windshield got cracked after just a couple months. Ended up paying way more than if I'd just added the coverage in the first place. I still debate medical payments, though—my health insurance has a high deductible, so now I'm wondering if I should've kept that part. Feels like you need a spreadsheet just to figure out what's actually worth it...