Yeah, I've wondered about that too—at what point does comprehensive stop making sense? Like, if your car's only worth a couple grand, is it really worth paying extra every month for coverage you might never use? I guess it depends on your risk tolerance and how easily you could replace the car. Maybe the smarter move is to set aside that money yourself...but then again, how disciplined are most of us at actually doing that?
- Just went through this myself, and honestly, comprehensive didn't make sense for me.
- My car's barely worth $2k, and the extra monthly cost added up fast.
- Decided to skip it and put aside a bit each month instead—so far, so good.
- But yeah, discipline is key...if you're the type to dip into savings easily, might wanna stick with coverage.
Yeah, makes sense to skip comprehensive if your car's value is that low. One thing I'd add though—just double-check your policy for exclusions on stuff like glass coverage or animal collisions. I've seen folks surprised when a deer jumps out and they're stuck footing the whole bill. Setting aside cash is smart, but knowing exactly what's covered (or not) can save headaches later...speaking from experience here, unfortunately.
"Setting aside cash is smart, but knowing exactly what's covered (or not) can save headaches later...speaking from experience here, unfortunately."
Good point—been there myself. I'd also add:
- Check carefully for exclusions on aftermarket mods or performance upgrades.
- Some insurers sneak in clauses about "racing" or "track use," even casual events.
Better safe than sorry...
"Some insurers sneak in clauses about 'racing' or 'track use,' even casual events."
Yeah, that's a sneaky one—seen it catch people off guard plenty of times. I'd also watch out for mileage restrictions hidden in the fine print. Some policies set strict limits on annual miles driven, and exceeding those could void coverage when you least expect it. Always worth double-checking your policy docs...boring, I know, but better than a nasty surprise later.
