I've been in your shoes—high-risk driver here, unfortunately. Here's how I see it: first, check exactly how much extra they're charging monthly. Then, compare that to the potential premium hike after an accident. For me, accident forgiveness ended up cheaper overall...just saying.
"Then, compare that to the potential premium hike after an accident."
Good point—I just bought insurance for the first time and ran a bunch of numbers myself. Accident forgiveness seemed pricey upfront, but honestly, the math checks out if you're even slightly accident-prone...better safe than sorry, right?
Haha, I feel you on the "slightly accident-prone" thing...I swear curbs just jump out at me sometimes. 😅 I debated accident forgiveness too when I got my first policy recently. At first glance, it seemed like just another upsell, but after hearing some horror stories from friends about their premiums skyrocketing after minor fender-benders, I figured it was worth the peace of mind.
Honestly, insurance math is weirdly stressful—like, how do you even quantify your own clumsiness? But yeah, if the numbers make sense for you, I'd say you're on the right track. Better to pay a little extra upfront than get blindsided later. Plus, knowing my luck, the moment I skipped accident forgiveness would be the exact moment I backed into a mailbox or something...
"Honestly, insurance math is weirdly stressful—like, how do you even quantify your own clumsiness?"
Haha, exactly... I ran the numbers when I renewed last year (also in Ohio). For me, accident forgiveness was only a few bucks extra per month. Considering one minor bump could spike my premium significantly, it felt like cheap insurance against my own occasional brain fog moments.
I get the logic, but honestly, I've been driving in Ohio for over 20 years and never opted for accident forgiveness. Had one minor fender-bender about 8 years ago—totally my fault, spaced out at a stop sign—and yeah, my premium jumped a bit, but it wasn't catastrophic. After a couple of years, it settled back down. Makes me wonder if paying extra every month for something you might never use is really worth it...
