I see your point, but as someone new to insurance, accident forgiveness feels like a bit of peace of mind. A few thoughts:
- Saving money is great, but realistically, how disciplined are most of us at consistently setting aside extra cash?
- One minor slip-up could wipe out years of careful saving, like you mentioned with your friend.
- I'd rather pay a little extra upfront and not stress about one mistake costing me big later...
Just my two cents from someone still figuring this stuff out.
Totally agree with you on this one. People always talk about setting money aside, but let's be real—life happens and most of us aren't exactly budgeting pros. Accident forgiveness might feel like you're paying extra for nothing at first, but one fender bender on icy Ohio roads and you'll thank yourself later. Trust me, when I slid into a curb last winter, seeing my rates stay put was worth every penny...
Good points here, especially about Ohio winters—those icy roads are no joke. Accident forgiveness can definitely save you from a nasty rate hike after a slip-up. Still, it's worth considering how often you realistically expect to file a claim. If you're generally cautious and haven't had an accident in years, it might feel like paying extra for peace of mind. Curious if anyone's compared the long-term costs of accident forgiveness versus just absorbing the occasional rate increase...?
I went through this exact dilemma last year. Ran the numbers myself—turns out, for someone careful who rarely files claims, accident forgiveness was pricier long-term. Decided to skip it and just stash some extra cash aside instead...worked out fine so far.
I get your logic, but honestly, when you're driving something pricier (like my Audi), accident forgiveness can be a lifesaver. Had a minor fender-bender a couple years back—totally my fault, embarrassingly enough—and without accident forgiveness, my premiums would've skyrocketed. Sure, it's a gamble, and if you're super careful, maybe it's not worth it. But for peace of mind, especially with luxury cars and their crazy repair costs, I'd rather pay a bit extra upfront than risk a nasty surprise later...
