I get where you’re coming from—
—but honestly, I’d rather have the cap than risk higher premiums for everyone. The more claims for big SUVs, the more rates creep up, right? When our minivan was in the shop, we ended up with a compact too. Not ideal, but I kept thinking about safety and liability if something happened in a bigger rental I couldn’t fully cover. Maybe it’s not fair, but I’d rather play it safe than end up with a gap in coverage...“it’s not realistic for families”
Maybe it’s not fair, but I’d rather play it safe than end up with a gap in coverage...
I get what you mean about playing it safe, especially with rentals. But do you think the cap actually helps keep premiums down long-term, or does it just shift the cost somewhere else? Like, if more people end up paying out of pocket for bigger rentals, does that really solve the problem? I’ve always wondered if there’s a better way to balance family needs and overall risk.
I totally get wanting to avoid a gap—I'm in the same boat, just trying to keep costs down without risking too much. Honestly, I’m not sure the cap really helps in the long run either. It feels like you end up paying one way or another, especially if you need a bigger rental for family stuff. I wish there was a more flexible option that didn’t make you choose between coverage and affordability...
Honestly, I kinda see it differently. I went with higher coverage even though it costs more, just because the rental cap always felt like a gamble. Had a situation last year where my car was in the shop for weeks—if I’d stuck with the basic cap, I’d have been out of pocket a lot more. Not saying it’s perfect, but sometimes paying up front saves you stress later. The lack of flexibility is annoying though, totally agree there.
Honestly, I get where you’re coming from—having higher coverage does save your butt when stuff hits the fan. But man, those premiums add up, especially in NY. I keep looking at my monthly bill and thinking, “Is this really worth it or am I just paying for peace of mind I’ll never use?” The rental cap thing is tricky though. Had a buddy who got stuck with a $900 rental bill because his shop took forever to get parts (classic). He was not thrilled.
I’m always torn between wanting to be covered for every possible disaster and just not wanting to fork over more cash than I have to. It’s like gambling either way, really. Sometimes I wonder if these companies just bank on us being afraid of worst-case scenarios.
Geico quoted me lower for basic coverage but started creeping up when I tried to add extras. Progressive felt more upfront, but their online system kept glitching on me. Not sure if that’s a red flag or just my luck with tech. Honestly, neither feels perfect and both have that “we gotcha” fine print... but maybe that’s just insurance in general.
I guess it comes down to how much risk you’re willing to stomach. For now, I’m sticking with the basics and crossing my fingers that my car doesn’t decide to fall apart at the worst possible moment. If it does, well, maybe I’ll finally get around to learning the bus schedule...
