I get the appeal, but honestly, I've been commuting daily in Ohio for years without accident forgiveness and haven't regretted it yet. If you're generally careful, that extra cost might not be worth it... just my two cents.
I've been driving in Ohio for a while too, but gotta admit, I'm not exactly the poster child for safe driving... had my share of close calls. Even then, accident forgiveness never seemed worth the extra bucks to me either. Just keep your eyes open, avoid distractions, and that money stays in your pocket. Sounds like you're already doing fine without it though, so trust your gut on this one.
I hear ya on that. I've been driving around Ohio roads for years now, and honestly, I debated accident forgiveness too. But then I thought back to when my wife backed into our neighbor's mailbox (still a sore subject, lol). Even after that little mishap, the premium bump wasn't as bad as I expected. So yeah, I skipped the extra coverage and just try to stay alert. Seems like you're already doing the same, so probably no need to change what's working.
I'm pretty new to insurance myself, but I ended up going with accident forgiveness just for peace of mind. My brother had a minor fender-bender last winter (icy Ohio roads, you know how it is...) and his premium jumped more than he expected. Figured I'd rather not risk it.
"My brother had a minor fender-bender last winter (icy Ohio roads, you know how it is...) and his premium jumped more than he expected."
I can relate to this. A couple of years ago, I had a similar experience driving my Audi during a particularly nasty Ohio winter—black ice caught me off guard, and I ended up tapping someone's bumper at pretty low speed. The damage was minimal, thankfully, but the real shock came later when my next premium renewal arrived. It increased considerably more than I'd anticipated for such a minor incident.
Since then, I've opted into accident forgiveness coverage as well. For me, it's less about expecting another accident and more about managing risk proactively. Given the unpredictable nature of our winters here, the extra cost feels justified as a safeguard against unexpected financial hits down the road. Of course, everyone's circumstances differ, but personally, I'd rather pay a bit more upfront than face another surprise premium hike...
