"Sometimes it's worth paying a bit extra just to sleep easier at night."
Fair enough, but honestly, windshield coverage isn't always the no-brainer it's made out to be. I've driven 15+ years without ever needing it—knock on wood—and the few chips I've had were cheap enough to fix out-of-pocket. I'd rather stash that extra cash into an emergency fund than hand it over to insurance every month for something I might never use.
I get your point, but honestly, windshield coverage has saved my bacon more than once. Maybe it's just my luck (or lack thereof), but commuting daily on highways littered with gravel trucks means chips and cracks are pretty much inevitable. Sure, most repairs aren't wallet-busters, but that one time a rock left a nasty spiderweb crack...ouch. Having coverage meant zero stress and no surprise expenses. For me, that peace of mind is worth the extra few bucks each month.
"Having coverage meant zero stress and no surprise expenses."
Yeah, I hear you on the windshield thing. I'm new to this whole insurance game, and honestly, the fine print is making my head spin. Just last month, my buddy got rear-ended and found out his policy didn't cover rental cars during repairs—had to bum rides for a week. Makes me wonder, what other sneaky exclusions should I be watching out for as a first-timer?
Honestly, coverage doesn't always mean zero stress. My cousin thought he was fully covered until hail trashed his car roof—turns out weather damage was excluded. It's worth double-checking those "comprehensive" policies... they're not always as comprehensive as they sound.
Yeah, learned that lesson the hard way myself. A few years back, I had a cracked windshield from a random rock on the highway—figured my comprehensive coverage would handle it, no problem. Turns out, glass damage was covered, but only after a pretty hefty deductible. Ended up paying most of it out-of-pocket anyway. Ever since then, I've gotten into the habit of reading through the fine print every renewal. It's tedious, sure, but better than getting blindsided again. Honestly, insurance companies are masters at sneaking in those little exclusions and conditions. Makes me wonder what else I'm missing...
