- Totally get where you’re coming from.
- I’ve had to ask about “acts of God” coverage more than once—felt silly, but better safe than sorry.
- It’s wild how many things aren’t covered unless you specifically ask.
- Paranoid? Maybe, but I’d rather be that than out a classic after a freak storm.
- Keep grilling those agents... they’ve heard it all before.
Honestly, it’s wild how fast stuff adds up when you don’t double-check your policy. I’ve always just gone for the cheapest insurance, but now I’m second-guessing that. Anyone ever had to actually use comprehensive? Worth the extra cost, or nah?
Had to file a claim after a tree branch smashed my windshield last year. If I’d only had liability, I’d have been out a grand, easy. Comprehensive isn’t cheap, but it’s saved me more than once. Depends on your risk tolerance, but I wouldn’t skip it.
I get where you're coming from—comprehensive has bailed me out a couple times too. Had a deer run into my Panamera last winter, and the repair bill was enough to make me swear off ever driving rural roads at night again. Insurance covered it, minus the deductible, but if I'd only had liability, I'd have been on the hook for thousands.
I'm always torn about how much coverage is actually worth it, though. The premiums on luxury cars are wild, and sometimes I wonder if I'm just throwing money away year after year. On the other hand, with all the crazy weather lately—hail, floods, falling branches—maybe it is smarter to keep paying up.
Do you think there's ever a point where comprehensive just isn't worth it? Like, if your car's value drops a lot or it's getting older? Or is it one of those things that's always a gamble no matter what you drive?
Totally get the struggle with those premiums, especially on something like a Panamera. I’ve always looked at it kind of like this: once the car’s value drops below a certain point—let’s say the payout after your deductible would be less than what you’ve paid in premiums over a couple years—it starts making less sense to keep comprehensive. For my old Civic, I actually dropped it when the car was worth maybe $3k, and just kept liability. The risk felt manageable, and honestly, the savings added up.
But then again, with all the weird weather lately, I do wonder if I’d regret it if a freak hailstorm trashed my ride. Guess it’s a bit of a gamble either way. Out of curiosity, has anyone here actually done the math on when comprehensive stops being “worth it” for them? Or do most people just go by gut feeling?
