I wondered the same thing when I started driving. My older brother had accident forgiveness, paid extra for years, then finally had a minor fender bender. Turns out the rate increase without forgiveness would've been cheaper overall... makes me skeptical it's worth it long-term.
I've been thinking about this too, especially after hearing similar stories. I guess it might depend on the driver—like if you're generally cautious and rarely have issues, maybe it's not worth the extra cost over time. But if you're accident-prone or drive a ton, it could save you some headaches. Has anyone compared accident forgiveness across different insurance companies? Curious if the terms vary much...
I've looked into this a bit myself since I drive a higher-end car and repairs can get pricey fast. From what I've seen, accident forgiveness terms definitely vary between companies. Some insurers offer it automatically after a certain number of years accident-free, while others charge extra from the start. I'd suggest making a quick spreadsheet—list out a few companies you're considering, note down their terms, costs, and eligibility requirements. It sounds tedious, but it really helps clarify if it's worth it for your situation...
I've wondered about this too, especially since my commute's pretty long and I'm always worried about random fender-benders. Do you think accident forgiveness really saves that much money in the long run, or is it more like a peace-of-mind thing? Also, does anyone know if it's common for insurers in Ohio to limit how many times you can actually use it...? Seems like there might be a catch somewhere.
I'm with you on that—it's mostly peace-of-mind. Had accident forgiveness on my policy for a few years, and honestly, it didn't save me much money overall. But the one time I did have a minor accident (icy roads, classic Ohio winter), it was nice not seeing my premium skyrocket the next renewal. Still, insurers here usually limit it to once every three to five years, depending on your company and policy. So yeah, there's definitely a catch. If you're a cautious driver, it might not be worth the extra cost. But if your commute's long and unpredictable, it might pay off at least once.
