Never thought about the commute thing making a difference, but that’s wild. I’m just starting out with my own policy and honestly, it feels like they sneak in random stuff just to see if you’ll notice.
Is that really all it takes? Like, do they ever give you a hard time or try to guilt-trip you into keeping the coverage? I’m not super comfortable arguing with reps on the phone, but I also don’t want to pay for things I’ll never use.“if I don’t recognize a charge or can’t see myself using it, I call and ask what it is. Half the time, they’ll just remove it if you push back a little.”
Also, about dropping glass coverage—did your agent warn you about anything when you did that? Mine made it sound like my windshield would shatter every other week if I didn’t keep it. Just curious if that’s actually happened to anyone or if it’s just scare tactics.
I’ve definitely noticed they try to nudge you into keeping extra coverages, especially on the phone. It’s usually not super aggressive, but you might get a spiel about “peace of mind” or worst-case scenarios. If you’re firm but polite, they’ll usually back down and just remove it. As for glass coverage, my agent also made it sound risky to drop it. I drive a lot for trips and knock on wood, haven’t had a windshield crack in years. I figure if something does happen, I’ll just handle it out of pocket—seems cheaper than paying every month for something that rarely happens.
I figure if something does happen, I’ll just handle it out of pocket—seems cheaper than paying every month for something that rarely happens.
Funny thing, I’ve seen both sides of this. Had a client who dropped glass coverage after years without a claim, then got hit with a $900 windshield replacement two months later. But honestly, for most folks, you’re right—it’s a bit of a gamble and depends on your risk tolerance. The “peace of mind” pitch is real, but sometimes it’s just not worth the extra monthly cost if you’re comfortable taking the chance.
Yeah, it’s always a roll of the dice. I skipped glass coverage for years, then got a rock chip that spidered across the whole windshield—felt like the universe was laughing at me. Still, I get why folks drop it. Sometimes you pay for years and never need it, other times you drop it and bam, instant regret. Just depends on how much risk you’re cool with, I guess.
Sometimes you pay for years and never need it, other times you drop it and bam, instant regret.
Totally get where you’re coming from. I kept my glass coverage after a friend had to shell out $700 for a new windshield. Made me wonder—do you weigh the odds, or just go with peace of mind? I’d rather pay a little extra and not stress every time a truck kicks up gravel, but maybe that’s just me.