Peace of mind isn’t overrated.
I get what you mean, but I’m still kinda torn. Like, yeah, the idea of a huge bill if something goes wrong freaks me out, but I’m also a broke student and every dollar counts. My car’s not exactly a Tesla, so sometimes I wonder if I’m just overthinking it. But then I see a squirrel dart across the road and my heart rate spikes... Maybe I’m not as chill about it as I thought.
But then I see a squirrel dart across the road and my heart rate spikes... Maybe I’m not as chill about it as I thought.
Man, squirrels are like little insurance agents sent to remind us we’re not invincible. I totally get the broke student thing—been there, still kinda there. Here’s how I look at it: if your car’s not worth much, sometimes a higher deductible makes sense because you’re probably not fixing every dent anyway. But if the idea of a surprise $1k bill keeps you up at night, maybe peace of mind is worth those extra few bucks a month. It’s like gambling, but with less fun and more paperwork.
if your car’s not worth much, sometimes a higher deductible makes sense because you’re probably not fixing every dent anyway.
That hits home. I remember when my minivan got a mystery dent in the grocery store lot—never bothered to fix it. But now that we haul kids everywhere, I lean toward a lower deductible. The stress of a big out-of-pocket repair just isn’t worth it for us. Peace of mind wins, even if it costs a bit more each month.
Honestly, I get the peace of mind angle, but are you sure the extra monthly cost is worth it?
Most folks rarely file claims. If you’re not accident-prone, that higher deductible might save you more in the long run. Just something to consider.The stress of a big out-of-pocket repair just isn’t worth it for us.
Honestly, I get the peace of mind angle, but are you sure the extra monthly cost is worth it?
I get where you’re coming from, but as someone with a less-than-stellar driving record, I’ve learned the hard way that “most folks rarely file claims” doesn’t always apply to everyone. Last year, one fender bender and a cracked windshield set me back more than my premium savings with a high deductible. That peace of mind isn’t just theoretical for some of us—it’s real dollars avoided when stuff goes sideways. For me, the extra monthly cost is just a buffer against my own track record.
