I thought “full coverage” meant I was good to go, too. Turns out, nope—my agent just kinda slid a stack of papers at me and pointed where to sign. Didn’t really explain much. I only found out about the difference when my cousin’s car got broken into and his insurance didn’t cover it. Now I’m double-checking everything, but man, those extra add-ons add up fast when you’re on a tight budget.
Yeah, “full coverage” is one of those terms that sounds way better than it actually is. I learned the hard way after a road trip—hit a deer, thought I was covered, turns out my deductible was sky-high and some stuff wasn’t even included. Agents don’t always spell it out. I get wanting to save cash, but sometimes those add-ons are worth it if you’re out on the road a lot. Still, it’s tough to know where to draw the line when every little thing costs extra.
Honestly, I get where you’re coming from, but I’ve actually had the opposite experience. After a hailstorm last year, my car was in rough shape—thankfully, my policy covered it all, minus a manageable deductible. I do pay more for those extras, but with the kind of cars I drive, it’s worth the peace of mind. I guess it depends on what you’re willing to risk. Sometimes those “extras” really do pay off, even if they feel like overkill at first.
Yeah, I get that peace of mind thing, but man, those extra costs add up fast. I keep debating if it’s worth it for my old commuter car. Hail’s rare where I am, but who knows... Murphy’s Law, right?
I keep debating if it’s worth it for my old commuter car. Hail’s rare where I am, but who knows... Murphy’s Law, right?
Honestly, I’m right there with you. I used to pay for all the bells and whistles on insurance, then realized for my 12-year-old Honda, it just didn’t make sense anymore. Here’s how I look at it:
1. Figure out what your car’s actually worth right now (not what you paid for it back in the day).
2. Compare that to your deductible and what you’d actually get from insurance if hail did wreck it.
3. Add up how much you’re paying extra every year for the coverage.
If you’re only saving a couple hundred bucks a year but your car isn’t worth much, sometimes it’s just not worth stressing over. Yeah, stuff happens, but you can’t insure yourself against every “what if.” Sometimes peace of mind is just knowing you made a call and you’re good with it either way.
