Fair point, but accident forgiveness isn't just about minor scrapes. It's more of a safety net for bigger mishaps that could spike your premiums significantly. Sure, setting aside cash works for small stuff, but one major accident can easily wipe out those savings and then some. I'd say balance is key—don't overpay for coverage you won't use, but don't underestimate the value of protection against serious incidents either.
"Sure, setting aside cash works for small stuff, but one major accident can easily wipe out those savings and then some."
True, but honestly, how often do major accidents really happen? I've been commuting daily for years and haven't had anything beyond minor fender-benders. Feels like accident forgiveness might be more peace-of-mind marketing than practical necessity. I'd rather keep premiums lower and stash away the difference...but maybe that's just my luck talking.
"True, but honestly, how often do major accidents really happen? I've been commuting daily for years and haven't had anything beyond minor fender-benders."
Fair point, but isn't the whole idea behind insurance that you're covered for those rare, worst-case scenarios? I mean, I've been driving a family car for over a decade, and thankfully nothing major has happened yet either...but that doesn't mean it won't. When you have kids or regular passengers, the stakes feel higher somehow. Yeah, accident forgiveness might be partly marketing hype, but if something serious did happen, wouldn't the extra coverage be worth it just to avoid a financial nightmare?
I get wanting to save on premiums—I cringe every time I renew my policy—but I'm not sure stashing away the difference would really cover the potential costs of a major accident. Maybe it's just my cautious nature talking, but I'd rather pay a bit more upfront than risk being blindsided later.
Haha, I hear ya—insurance is basically paying someone to bet against yourself, right? I've been driving classics for years, and trust me, the thought of my '69 Mustang getting even a scratch makes me cringe. But honestly, it's not just about frequency; it's about how much it hurts your wallet when something does go wrong. A buddy of mine once had his vintage Camaro rear-ended by someone texting...let's just say he was glad he didn't skimp on coverage.
I get wanting to save a few bucks—especially when premiums feel like highway robbery—but for me, peace of mind is worth the extra cash. Plus, classics aren't exactly cheap to fix...parts can cost an arm, leg, and maybe a kidney. So yeah, I'd rather pay a bit more upfront than wake up sweating at night wondering if my savings can cover a major mishap.
Yeah, totally get where you're coming from. I've always leaned towards keeping premiums low myself, but after my old Jeep got sideswiped a couple years back, I realized cheaping out can bite you hard. Repairs added up fast, even for something as common as a Wrangler—can't imagine the nightmare with a classic. Now I aim for a middle ground: decent coverage without breaking the bank. It's all about finding that sweet spot where you're not losing sleep or emptying your wallet every month...
