I get your point, but comprehensive coverage isn't always a no-brainer. When you're on a tight budget, every extra dollar counts. I just bought my first policy and honestly, skipping comprehensive saved me quite a bit. Sure, hailstorms happen, but they're pretty rare where I live. I'd rather stash those savings into an emergency fund for now... might rethink it later if my situation changes or I move somewhere riskier.
Totally get where you're coming from. I used to think comprehensive was just an upsell until a tree branch decided to land squarely on my windshield one windy afternoon—talk about bad luck. Thankfully, insurance covered it, but I remember thinking how easily I could've skipped that coverage. Still, if hail's rare in your area and you're building up an emergency fund, sounds like you've thought it through pretty well. Just keep an eye on those sneaky trees...they're out to get us commuters, I swear.
Yeah, comprehensive always feels like a waste of cash until something random decides to ruin your day. Had a client once who skipped it, then hit a deer—talk about expensive venison. Emergency funds are great, but nature has a twisted sense of humor...just sayin'.
Yeah, learned that lesson the hard way myself. Years ago, I figured comprehensive was just padding the insurance company's pockets...until a tree branch decided my windshield looked comfy during a storm. Not fun. Ever since then, I keep it on all my cars—peace of mind is worth the extra few bucks each month. Nature definitely has its moments...
"Nature definitely has its moments..."
Tell me about it. I used to roll my eyes at comprehensive coverage too, until a rogue tumbleweed (yes, seriously) cracked my headlight on a road trip through Arizona. Still skeptical about insurance companies, but nature's randomness keeps me paying...
