I get where you’re coming from, but with a pricier car, I just can’t risk it. One flat tire in the middle of nowhere and the “local guy” charges double for specialty wheels. For me, the peace of mind is worth the yearly fee.
For me, the peace of mind is worth the yearly fee.
I totally get the peace of mind thing, but have you ever actually needed to use it? I’ve had roadside coverage for years and, knock on wood, never called them once. Sometimes I wonder if I’m just paying for a “what if” scenario that never happens. Do most of these plans cover specialty wheels, though? I always assumed they’d try to wriggle out of those extra costs. Maybe I’m just too cheap, but I keep thinking I could stash that money away for emergencies instead...
I’m right there with you. I just bought my first policy and keep wondering if I’ll ever use it or if it’s just money down the drain. My car’s got aftermarket rims, too, and I’m not convinced they’d cover those if something happened. Part of me thinks I should’ve just put that cash aside for a rainy day instead...
I totally get where you’re coming from. I had the same doubts when I paid for mine—felt a bit like tossing money into the wind. But then, last winter, my battery died in a grocery store parking lot and roadside help actually saved me from freezing my butt off. About those rims, yeah, insurance is so picky with aftermarket stuff... I’ve heard you sometimes need to list them specifically or they’ll just shrug if something happens. It’s kinda a gamble either way, but having that backup did give me some peace of mind.
I hear you on the “tossing money into the wind” feeling. I used to think roadside assistance was just another way to nickel-and-dime drivers, but after my ‘72 Chevelle left me stranded on a back road, I changed my tune real quick. Towing an older car isn’t cheap—one breakdown basically paid for three years of coverage. I get that if you’ve got a newer car or you’re handy with repairs, it might seem like overkill. But for those of us with classics or anything finicky, it’s less about convenience and more about not risking a bigger headache (or wallet hit) later.
About the rims—insurance is a whole other can of worms. I’ve had adjusters try to wiggle out of covering aftermarket parts before. If you care about them, definitely get them listed. It’s annoying paperwork, but better than fighting with claims folks after the fact. Peace of mind’s worth something, even if it feels like you’re paying for “what ifs.”
