I’ve seen folks use rental coverage way more than they expect—especially after fender benders. Lockout, not so much, but when you need it, you’re glad it’s there. As for switching, sometimes a few bucks saved isn’t worth the headache if you ever have to file a claim. Familiar companies can make things smoother, but if the price difference is big, it’s worth comparing.
I get the comfort of sticking with a familiar company, but I don’t totally buy that switching is always a headache. I switched last year after getting hit with a ridiculous renewal hike, and honestly, the process was way smoother than I expected. The new company handled most of the paperwork, and I ended up saving enough to make it worth it. It’s easy to assume it’ll be a hassle, but sometimes the extra effort really does pay off… especially if you’re on a tight budget like me.
I hear you—it’s not always the nightmare people make it out to be. I’ve seen folks save a chunk just by taking the time to compare, especially when their renewal jumps for no clear reason. That said, I do think it’s worth double-checking what’s actually covered with the new company. Sometimes those lower rates mean higher deductibles or less coverage in the fine print. It’s easy to get caught up in the savings and miss something important... Seen it happen more than once.
Had a buddy switch for a sweet rate, only to realize later his roadside assistance was gone and the rental car coverage was way less. He ended up paying more out of pocket after a fender bender. Has anyone actually read every page of those policy docs before signing?
Honestly, I tried reading through my policy once and got lost halfway. There’s just too much legal jargon. I usually just check the main coverage page and skim the rest, but now I’m wondering if that’s risky. Has anyone actually called the company to ask about the fine print, or do most people just trust what’s on the quote summary?
