Honestly, I’ve wrestled with this too.
That’s the truth. I used to just carry liability on my old minivan, figuring if it got totaled, I’d just let it go. But then a neighbor’s kid sideswiped it and suddenly I was out a car and scrambling for rides to work. Not fun. Sometimes that “peace of mind” is worth the extra few bucks, even if it stings every month. Still feels like highway robbery, though...“It’s a gamble either way.”
Still feels like highway robbery, though...
Right? I swear insurance companies have a sixth sense for when you’re broke. I’m still on my parents’ policy (barely), but even then it’s crazy expensive. I keep thinking about dropping to liability only, but then stories like yours make me nervous. It’s like, do I risk it and hope nothing happens, or just eat ramen for another month to cover the premium? Adulting is wild.
It’s like, do I risk it and hope nothing happens, or just eat ramen for another month to cover the premium?
Honestly, I’ve asked myself the same thing every renewal. Is it just me, or does “adulting” mean constantly choosing between car insurance and, like, actual food? Liability-only is tempting, but then I picture my luck and... yeah, probably not worth the gamble. Anyone else ever feel like their car is just a money pit with wheels?
I hear you—my car’s a “luxury” model, but honestly, it feels like it just means luxury-sized repair bills and insurance premiums. I tried liability-only for a while to save cash, but after a fender bender last year... let’s just say my wallet still hasn’t forgiven me. Sometimes I wonder if I’d be better off with something that doesn’t require a second job just to stay insured.
Luxury car, luxury headaches... I’ve been there. Had a “fancy” sedan in my twenties—every scratch felt like a mortgage payment. Switched to an older hatchback and suddenly insurance was half, plus I stopped worrying about every little ding. Anyone else ever regret buying the “nice” car just because it looked good on paper?
