"personally, I'd rather budget a bit extra monthly than face a hefty unexpected bill down the road..."
Fair enough, but honestly, I've been driving my beat-up Civic for years without comprehensive. At this point, hail damage might actually improve its looks... kinda like free bodywork, right?
Haha, fair point about the Civic—hail as free bodywork is definitely a creative spin! But keep in mind:
- Even older cars can rack up surprising repair costs after severe weather.
- Comprehensive coverage isn't always as pricey as people think, especially for older vehicles.
- Might be worth checking out quotes occasionally...could save headaches later.
Ever looked into what it'd actually cost for your Civic?
Yeah, that's a solid point about comprehensive coverage. I've always assumed it'd be prohibitively expensive given my driving record, but maybe that's just me jumping to conclusions. A buddy of mine had an older Accord—similar situation—and he was surprised at how reasonable the quotes were, even with a couple tickets on his record. Might actually be worth running the numbers sometime...could end up cheaper than paying out-of-pocket if something crazy happens.
I used to think the same thing about comprehensive coverage being too pricey, especially since my driving record isn't exactly spotless either, haha. But when I finally checked quotes for my old Mustang, it wasn't nearly as bad as I expected...definitely cheaper than paying for hail damage out-of-pocket. Worth a look at least.
Yeah, I was in the same boat about comprehensive coverage. Always assumed it'd be crazy expensive, especially since I'm new to the whole insurance thing and had no idea what to expect. But then last month, when I finally decided to get serious and started shopping around for my Civic, I was pretty surprised. Turns out, adding comprehensive wasn't a huge jump in price—maybe like 15-20 bucks more a month than basic liability?
Funny enough, the agent actually shared a story kinda similar to that Kansas guy. He had another client whose car got completely wrecked by a fallen tree branch during a storm. Without comprehensive, he was stuck footing the entire repair bill himself...ouch. After hearing that, I figured I'd rather pay a little extra each month than risk being totally on my own if something random happens. Seems like a small price for peace of mind, honestly.
