Honestly, I’m with you—free coffee or movie tickets don’t really move the needle for me either. I drive a lot for work, so what I care about is whether my insurer’s going to make things easy if I ever need to claim. Last year, I had a minor fender bender and the paperwork was a nightmare. Would’ve traded any “perk” for a smoother process or even just a smaller excess. Do people actually pick an insurer for freebies? Maybe I’m missing something...
Perks like free coffee never really factored into my decision either. I see all the behind-the-scenes stuff, and honestly, a smooth claims process is worth way more. I’ve seen people get all excited about little freebies, but when it comes time to actually file a claim, that’s when they realize what matters. Paperwork can be brutal if the company isn’t on top of things... I’d take less hassle over a freebie any day. Maybe some folks just like feeling “rewarded,” but I’d rather not have my time wasted.
I’d take less hassle over a freebie any day.
I get where you’re coming from, but I don’t totally write off the perks. If two insurers have similar prices and decent reviews, I’ll pick the one with the little extras. Free coffee won’t make me overlook a bad claims process, but if the basics are covered, why not get a bit more for my money? Every little bit adds up, especially these days.
Perks are nice, but I’m always a bit wary of them being used as a distraction from what actually matters. I’ve seen people get lured in by the promise of free movie tickets, only to find out their policy is a nightmare when it comes time to claim. That said, I totally get your point—if the core stuff checks out, why not take the extras? I mean, if you’re paying the same and getting a little bonus, it’s hard to argue with that logic.
I guess my skepticism just comes from seeing too many folks get burned by shiny offers. But yeah, if you’ve done your homework and the insurer’s solid, those little perks can be a nice cherry on top. Just gotta make sure you’re not trading peace of mind for a free latte, you know?
I totally get where you’re coming from. I’ve been tempted by those “freebie” offers too, but then I start wondering—has anyone actually had a good claim experience with these perk-heavy insurers? Or is it mostly just marketing fluff? I’d rather have a smooth process if something happens to the car, especially with kids in tow. Anyone ever actually used the perks, or do they just end up forgotten?
