"Insurance companies aren't charities—they've gotta make money somehow, right?"
Haha, exactly... they're masters at crunching numbers. Still, accident forgiveness can be a lifesaver—especially if you're cruising around in an old classic like mine. Fingers crossed you never need it though.
I've been debating accident forgiveness myself lately. My car isn't exactly a classic—more like a trusty road-trip companion—but I'm always mindful of costs. I wonder if the extra premium is justified for someone who drives cautiously and rarely has incidents. Has anyone here actually used their accident forgiveness in Ohio, and did it genuinely save you money in the long run? Curious if it's more peace-of-mind or practical value...
"I wonder if the extra premium is justified for someone who drives cautiously and rarely has incidents."
Honestly, I've thought about this too, but from a slightly different angle. Even if you're cautious, you can't control other drivers or unexpected road conditions—especially here in Ohio winters. I commute daily, and I've seen plenty of careful drivers get caught up in minor fender-benders due to black ice or someone else's mistake.
That said, I've never opted for accident forgiveness myself. Instead, I put that extra premium money into a small emergency fund specifically for car-related issues. Over the years, it's built up enough to cover deductibles or minor repairs without affecting my insurance rates at all. For me, that's been more practical than paying extra for something I might never use.
Just another perspective to consider...
I've wondered about this too...but honestly, how much does one accident really bump your rates? If it's minor, maybe paying extra every month isn't worth it. But then again, Ohio winters can be brutal, so who knows?
I've thought about this a lot myself, especially since Ohio winters can get pretty dicey. Even a minor fender-bender can bump your rates noticeably—sometimes 20-30%, depending on your insurer and driving record. Accident forgiveness might seem like an unnecessary expense month-to-month, but think of it as insurance for your insurance. If you're cautious and rarely have incidents, maybe it's not worth it...but personally, I prefer the peace of mind knowing one slip-up won't haunt my premiums for years.
