Guess it depends if you’re more worried about the “what if” or the guaranteed extra cost every month.
- That’s pretty much where I land, too. I’ve had a $500 deductible forever, but honestly, I’m starting to wonder if I’m just paying for peace of mind that I never use.
- Had a fender bender once, but the repair was barely over my deductible anyway... felt like I was just handing money to the insurance company every month.
- Anyone else notice how the “what if” scenarios always sound scarier than they actually turn out? Maybe I’m just lucky, but I’d rather risk it and keep the savings in my pocket.
I get where you’re coming from. I used to think the same—why pay more every month for something I might never use? But then again, I’ve had a couple of tickets and a not-so-minor accident (my fault, ugh), so my rates are already high. Still, I’ve bumped my deductible up to $1,000 just to save a bit. Sometimes I wonder if it’s worth it, but honestly, the extra cash in my account feels better than stressing over every “what if.” Maybe it’s a bit of a gamble, but isn’t everything with insurance kind of a gamble anyway?
