Yeah, the deductible thing can be tricky... Have you thought about setting aside the difference each month if you go with a higher deductible? I did that, and it eased my mind knowing I had a cushion just in case.
Yeah, that's actually a smart move. I tried doing that too, but then I'd see that little stash sitting there and suddenly it became my "emergency pizza fund" instead of my deductible cushion, lol. Eventually had to set up a separate savings account just to keep myself honest. But seriously, having that buffer definitely helps ease the anxiety—especially when you're still figuring out all this insurance stuff.
Haha, I totally get the "pizza fund" temptation—been there myself. Setting up a separate account was smart. It’s funny how just having money set aside somewhere else makes it easier not to dip into it. You're doing great though; insurance can feel overwhelming at first, but it gets way easier once you have that cushion and start feeling more comfortable with the terms. Keep at it, you're definitely on the right track.
"It’s funny how just having money set aside somewhere else makes it easier not to dip into it."
This is exactly what helped me too. I used to mix my insurance savings with everyday spending, and that was a mess... pizza temptation was real, lol. Once I opened a separate savings account, it felt way less stressful—out of sight, out of mind kind of thing. Also, you're right about insurance terms getting easier; after a while it's second nature, even in no-fault states. You've totally got this.
Separating funds definitely helps—it's like a mental trick that actually works. I used to keep everything in one checking account, and every time something unexpected popped up (like new tires or repairs), it felt like a mini-crisis. Once I started using a dedicated emergency fund, those surprises became way less stressful. And yeah, insurance jargon does get easier over time... though I still occasionally have to google stuff when renewing my policy, haha.
