I totally get wanting to save on premiums—those little add-ons can really add up fast. I used to skip rental coverage too, but after getting stuck without a car for a week, I started seeing the value. Still, if rideshare works for you and you’re comfortable with the risk, that’s fair. Everyone’s situation is different, and honestly, there’s no one-size-fits-all with insurance.
Yeah, I used to think rental coverage was just another way for the insurance companies to nickel and dime us. But after my car got rear-ended last year and I had to bum rides for days, I kinda changed my tune. Still, if you’re mostly using rideshare or public transit, skipping it makes sense. It’s wild how much these little choices can impact your budget, especially out here where everything’s pricier. Just gotta weigh the odds and hope you don’t get unlucky, I guess.
Just gotta weigh the odds and hope you don’t get unlucky, I guess.
- Totally get that. For me, rental coverage felt unnecessary until my car was in the shop for a week after a fender bender. Ended up spending more on Ubers than the yearly cost of the coverage.
- If you’re mostly on public transit, yeah, maybe it’s not worth it. But if you rely on your car daily, those “what ifs” start to add up.
- Curious—has anyone actually done the math on how often they’ve needed rental coverage vs. what they’ve paid for it over time? I keep thinking about tracking it but never do...
Curious—has anyone actually done the math on how often they’ve needed rental coverage vs. what they’ve paid for it over time? I keep thinking about tracking it but never do...
Honestly, I’ve run those numbers for clients and myself. Most folks pay for years and never use it, but the one time your car’s out for repairs, it pays for itself fast. I had a guy last month—first claim in 8 years, but his rental bill was almost $600. If you’re driving daily, skipping it is a gamble. If your car’s more of a weekend thing, maybe not worth it. It’s one of those things you only appreciate when you need it, like a spare tire.
I get where you’re coming from—tracking that stuff always sounds like a good idea, but who actually does it? I’ve thought about it too, but life gets in the way. Honestly, I’ve paid for rental coverage for years and only needed it once, but when I did, it was a lifesaver. It’s one of those things you hope you never need, but if your car’s in the shop and you still have to get to work every day, you’ll be glad you had it. If your car mostly sits, maybe not as big a deal. Either way, you’re not alone in wondering if it’s worth it.
