I'm with you on that. Accident forgiveness sounds good on paper, but from what I've seen, insurers usually recoup that cost elsewhere—higher premiums, fewer discounts. Still, I wonder if Ohio's pricing factors make accident forgiveness a better deal here compared to other states? Might be worth checking local experiences before writing it off completely...
Yeah, agreed. Ohio's rates tend to be pretty competitive overall, but insurers aren't charities—they'll find a way to balance the books. Had a buddy here who thought he scored big with accident forgiveness...until renewal time rolled around. Worth double-checking local feedback first.
"Had a buddy here who thought he scored big with accident forgiveness...until renewal time rolled around."
Yeah, that's a common misconception. Accident forgiveness can be handy, but it's not always the money-saver people think it is. If you're considering it, here's what I'd suggest: first, get a quote without it and then another with accident forgiveness added. Next, check reviews or ask around locally—Ohio forums or neighborhood groups can be helpful. Finally, compare the overall cost difference carefully over several renewal cycles. Sometimes it's worth it...other times, not so much.
I used to think accident forgiveness was just a gimmick, but honestly, it saved my butt a couple years back. Had a minor fender-bender near Columbus—totally my fault—and my rates didn't jump at renewal. Sure, I was paying a bit extra upfront, but when I did the math afterward, it actually balanced out. Not saying it's always worth it, just that sometimes it can surprise you. Guess it depends how accident-prone you think you are...or how unlucky!
Yeah, I get where you’re coming from. I used to roll my eyes at accident forgiveness too, like it was just another way for the insurance company to squeeze a few extra bucks out of us. But after seeing a buddy’s rates skyrocket after a tiny parking lot mishap, I started to wonder if maybe it’s not such a bad deal. I guess if you’re on the road a lot—like me, stuck in rush hour half my life—it’s not the worst safety net to have. Still feels weird paying extra for something you hope you never use, but your story makes it sound a little less pointless.
