That “I’ll just save the difference” plan sounds great until you’re staring at a busted bumper and your bank account’s looking at you like, “Not today.”
Here’s my take: if you can’t cover that higher deductible tomorrow, don’t even think about it. Stuff happens fast—one deer, one pothole, and suddenly you’re scrambling. I’d rather pay a bit more each month than get caught short. Peace of mind’s worth it.
if you can’t cover that higher deductible tomorrow, don’t even think about it.
That’s the key right there. I’ve had my share of “surprise” repairs over the years, and trust me, they never come at a good time. I get the appeal of saving a few bucks each month, but if you’re not sitting on enough cash to cover that deductible, you’re just gambling. I’d rather pay a little extra and know I’m covered when life throws a curveball.
Couldn’t agree more. I’ve seen friends get burned thinking they’d never need to pay that higher deductible, then bam—fender bender, and suddenly they’re scrambling. If you don’t have that cash set aside, it’s just not worth the stress. Peace of mind costs a bit extra, but man, it’s worth it when stuff hits the fan.
Yeah, I’ve been there—thought I was being clever by bumping up my deductible to save a few bucks each month. Then my S-Class got keyed in a parking lot and suddenly I’m staring down a repair bill that’s way more than I’d set aside. It’s easy to think “that won’t happen to me,” but life’s got a sense of humor. I get the appeal of lower premiums, but honestly, the stress just isn’t worth it unless you’ve got that cash ready to go. Maybe if you’re driving something older, but with these repair costs? Not for me.
I get where you’re coming from, but I’ve seen folks save a decent chunk by going with a higher deductible—especially if they rarely file claims. If you’re good about keeping an emergency fund, it can make sense. Not for everyone, sure, but if you’re driving less or park in a garage most of the time, the risk drops a bit. Sometimes it’s just about weighing the odds and your own comfort level.
