Yeah, that's a fair point, especially if you're driving something that's basically worth pocket change. But speaking from experience (and a bit of heartbreak), if you've got a classic or something sentimental parked in the driveway, comprehensive can be a lifesaver. Had a buddy lose his '67 Mustang to hail damage—looked like someone took a baseball bat to it overnight. He'd skipped comprehensive to save cash...ouch. So yeah, depends on your ride and how much you'd cry if it got pummeled by ice chunks.
That's rough about the Mustang—hurts just thinking about it. Still, even if your car isn't a classic, comprehensive might make sense if you're regularly road-tripping through hail-prone areas. Ever had a close call with weather on a long drive?
Had a pretty close call last summer driving through Colorado—sky turned greenish, hail started pinging off the roof...luckily found an overpass just in time. Definitely made me rethink skipping comprehensive coverage, haha.
Had a similar experience a couple years back driving through Oklahoma. Sky got dark real quick, and before I knew it, hail was bouncing off my hood. Pulled into a gas station just in time, but it left me wondering—does comprehensive coverage really justify the extra cost if you're mostly driving older cars? I've always skipped it to save money, but stories like these make me second-guess myself...
"does comprehensive coverage really justify the extra cost if you're mostly driving older cars?"
Depends how attached you are to your ride, honestly. I've always driven beaters and skipped comprehensive, figuring I'd just roll the dice. But after sliding into a ditch last winter (totally my fault, lol), I kinda wished I'd had it... hindsight's 20/20.
