Still, bundling worked out cheaper for us than a separate policy, even after shopping around. Hawaii rates are just brutal for teens no matter what.
I get the logic on dropping comp/collision for an old beater, but what about when your kid’s driving something worth more? I couldn’t bring myself to risk it with my son’s first car—too many tourists and distracted drivers here. Anyone actually had to use their coverage after dropping those extras? Curious if the savings really outweigh the headache if something happens.
Honestly, I’ve seen folks regret dropping comp/collision when a fender bender or theft happens—especially with newer cars. The savings look good until you’re staring at a $4k repair bill. Hawaii’s roads are unpredictable... I’d keep the coverage if the car’s worth much.
The savings look good until you’re staring at a $4k repair bill.
Been there, done that—my old Civic got rear-ended last year, and I’d just dropped collision to save a few bucks. Ended up paying way more out of pocket than I ever saved. If your teen’s driving something newer or even just “new to them,” I’d think twice before cutting coverage. Hawaii’s roads can be wild, especially with all the rain and random potholes. I get wanting to save, but sometimes it backfires...
I get wanting to save, but sometimes it backfires...
Totally feel you there. Years ago, I thought I was being clever by dropping some coverage on my old Accord—figured it wasn’t worth much anyway. Next thing I know, a rogue chicken (only in Hawaii, right?) darts out, I swerve, and bam, bumper meets lava rock. The “savings” vanished real quick. With teens behind the wheel and the way weather flips here, I’d rather pay a little more for peace of mind. Sometimes cheaping out just isn’t worth the stress.
I get where you’re coming from, but honestly, sometimes the “peace of mind” thing can go a little overboard.
I bundled my kid on my policy and yeah, rates went up, but not as much as a separate policy would’ve cost us. I keep decent coverage, but I don’t max it out either. There’s a line between being careful and just tossing money at what-ifs, you know?With teens behind the wheel and the way weather flips here, I’d rather pay a little more for peace of mind.