As someone who's admittedly had a few too many "oops" moments behind the wheel (speeding tickets, anyone?), my sweet spot is usually a bit different. Here's how I see it:
- Lower deductibles sound great, but with my driving record, premiums can skyrocket pretty fast. Learned that the hard way...
- I usually opt for a higher deductible to keep monthly payments manageable. I'd rather stash away some cash each month and cross my fingers I don't need it anytime soon.
- That said, I totally get the anxiety factor. I've had a couple close calls where I thought, "welp, there goes my savings!" Thankfully, nothing too serious yet.
- Bottom line: it's about knowing yourself. If you're prone to fender-benders or have a lead foot like me, maybe stash away a bit extra each month just in case.
So far, this approach has kept me sane (and solvent). But hey, everyone's mileage may vary—literally!
I'm still pretty new to driving, but I totally get the anxiety factor you're talking about. After crunching some numbers (yeah, I'm that person...), I went with slightly higher premiums and lower deductibles—just until I'm more confident behind the wheel. Peace of mind matters too, right?
"Peace of mind matters too, right?"
Definitely. Especially when you're still building confidence behind the wheel—it's smart to prioritize comfort over saving a few bucks. Once you're more experienced, you can always revisit your coverage choices... better safe than sorry for now.
I get the comfort angle, but honestly, sometimes people overdo it with coverage. A buddy of mine went all-in on the highest possible coverage when he first started driving, and he ended up paying a fortune for stuff he never needed. Yeah, peace of mind helps, but there's a sweet spot between "barebones risky" and "paranoid overkill." Maybe start moderate, see how your driving habits shape up, then adjust from there...
Totally get your point about not going overboard—seen friends do the same thing. But from experience, once you've got kids in the backseat spilling juice boxes and Cheerios everywhere, you start thinking differently about coverage. I found a comfortable middle ground: decent liability limits, added roadside assistance (saved me more than once...), and skipped some of the pricier extras. It's all about balancing peace of mind with not breaking the bank, especially when family budgets come into play.
