- Totally get where you’re coming from.
- I used to think comprehensive was just a “nice to have,” but after seeing a friend’s car get trashed by hail last spring, I changed my mind.
- Sure, it’s a few extra bucks, but peace of mind is worth something.
- That said, I do wonder if some areas are lower risk... maybe it’s not as necessary everywhere?
- Either way, I’d rather not gamble with my ride.
I get nervous just thinking about stuff like that. My uncle’s car got hit by a falling tree branch during a random storm, and he didn’t have comprehensive either—total nightmare. Do you think it’s worth it for older cars too, or just newer ones?
I totally get where you’re coming from. Stuff like that just eats at you, especially if you’ve already seen it happen to someone close. I’ve had more than my fair share of mishaps—deer, hail, you name it—so I’ve learned the hard way that weird things really do happen, sometimes when you least expect it.
As for older cars, I know a lot of people drop comprehensive once their car’s value drops, but honestly, storms and random acts of nature don’t care how old your ride is. If the car’s still worth enough that a big repair would be a financial headache, comprehensive can make sense. The premium might not be that much compared to what you’d pay out of pocket after a freak accident. On the flip side, if your car’s barely worth more than the deductible, maybe it’s not worth it. It’s kind of a gamble either way, but for me, peace of mind wins out... especially after my last run-in with a wind-blown trash can (don’t ask).
Anyway, I wouldn’t write off comprehensive just because a car’s older. Sometimes the risk is bigger than we think.
Honestly, I get why people drop comprehensive on older cars, but it’s always a bit of a gamble. I’ve been on both sides—paid for coverage I never used, and also got burned by a random hailstorm that trashed my old minivan. It’s tough to know what’s “worth it” until you’re staring at a busted windshield. Sometimes I think I’m just paying for peace of mind, but after seeing neighbors deal with surprise repairs, I lean toward keeping it, even if the car’s not fancy. You never know what’s coming, right?
Sometimes I think I’m just paying for peace of mind, but after seeing neighbors deal with surprise repairs, I lean toward keeping it, even if the car’s not fancy.
I get that. For me, I look at the math every year—what’s the premium, what’s my deductible, and what’s the car actually worth? If the coverage costs more than 10% of the car’s value per year, I usually drop it. But if you live somewhere with crazy weather (like Kansas), it might be worth hanging onto, even for an old ride. Peace of mind isn’t nothing, especially when you’ve got a family and can’t just go without a car for weeks.
