Yeah, I get the logic behind skipping comprehensive when you're young and strapped for cash. Had an old Civic myself, premium was ridiculous considering the car's value...but then again, one nasty hailstorm or random vandalism can really mess you up financially. Still, can't deny stashing that extra cash for repairs saved me more than once. It's a gamble either way, but your approach makes sense if you're careful.
Totally agree—dropping comprehensive can make sense, but you've gotta be smart about it. Here's how I handled it: first, stash away some cash each month specifically for emergencies (tires, windshield cracks, etc.). Second, park strategically—under cover or at least away from sketchy areas. Third, learn basic repairs yourself; YouTube tutorials saved my wallet more than once. It's not foolproof, but if you're disciplined and a bit handy, you can definitely come out ahead financially. Just gotta accept that risk factor though...
"Third, learn basic repairs yourself; YouTube tutorials saved my wallet more than once."
Yeah, DIY can be great, but have you considered parts availability and costs, especially if you're driving something older or less common? I've found that sometimes the savings vanish fast when you factor in specialty tools or rare parts. Are you mainly working on common models, or have you had luck sourcing affordable used parts? Just curious, because that's been my biggest headache with classic cars...
Totally agree, DIY can be a lifesaver until you hit that one weird bolt that needs a $50 specialty tool you'll use exactly once...ask me how I know, haha. Honestly, I've had better luck with common models—parts are everywhere and cheap. Classics though? Whole different ballgame.
"Honestly, I've had better luck with common models—parts are everywhere and cheap. Classics though? Whole different ballgame."
Couldn't have said it better myself. Classics are rewarding, but they can drain your wallet faster than you'd expect. Still, there's something uniquely satisfying about getting your hands dirty and figuring things out—even if it means buying that specialty tool you'll probably never touch again. At least you know you're not alone in that struggle... Keep at it; the payoff usually outweighs the pain.
