Bundling worked out for me too, but a quick heads-up from experience:
- Double-check your deductible amounts—lower premiums can mean higher deductibles.
- Confirm roadside assistance coverage clearly.
- Classic car policies are definitely trickier; mileage limits can sneak up on you. Worth the extra calls, IMO.
Bundling definitely helps, but yeah, gotta watch those deductibles. Learned that the hard way when I had a minor fender-bender last year—thought I was saving big until I saw my deductible was $1k. Ouch. Also, good call on classic cars...had a client once who didn't realize his mileage limit was so tight until he got dinged for going over. Quick double-checking saves headaches later for sure.
Good reminder on deductibles—I've been burned by that myself. But honestly, as someone who's considered high-risk, my bigger concern is always coverage limits. Lower premiums look great until you're dealing with an accident (trust me, been there...). I'd suggest everyone double-check their liability coverage too, not just deductibles. Saving a few bucks upfront isn't worth the stress of being underinsured if something serious happens.
Interesting perspective—I get the logic behind prioritizing coverage limits, especially if you've had some rough experiences. But as someone buying insurance for the first time (and admittedly still figuring out what half these terms even mean...), I feel like there's a balance to strike. Sure, being underinsured sounds scary, but overspending on coverage I might never need feels equally painful. Maybe it's about finding that sweet spot between peace of mind and not emptying my wallet completely? Still learning here, so fingers crossed I don't regret it later...
Totally get where you're coming from, but have you thought about how much you'd actually be comfortable paying out-of-pocket if something big happened? I used to think the same way until my kid backed into our neighbor's brand-new SUV (ouch...). Trust me, suddenly that "extra" coverage didn't seem so extra anymore. Maybe ask yourself what's your threshold for pain—financially speaking? Could help narrow things down without feeling like you're throwing money away.
