"But yeah, if you're driving something older or less pricey, insurance can def be a wallet-saver for smaller stuff."
True, but have you considered classic cars? Even though they're older, repairs can actually be pricier due to rare parts or specialized labor. Had a minor fender bender with my '68 Mustang once—thought it'd be cheap to fix out-of-pocket... nope. Ended up way more expensive than expected. Wonder if classic car insurance policies handle claims differently compared to regular coverage? Might be worth looking into specifics before assuming older equals cheaper repairs...
Yeah, classic cars can definitely throw a wrench in the whole "older equals cheaper" logic. Had a similar issue with my dad's old Corvette—just a cracked headlight cover ended up costing hundreds because the part had to be sourced from some specialty dealer. Classic car insurance usually has agreed-value policies, so claims might be handled differently. Always pays to double-check your coverage specifics... learned that one the hard way myself.
Had a similar headache with our old family wagon—thought older meant cheaper too, until the transmission went out. Insurance tried to wiggle out of paying, claiming wear and tear. Definitely worth reading the fine print... insurers love their loopholes.
Been down that road myself—had a '99 sedan that I assumed was cheap enough to skip comprehensive coverage. Then a tree branch decided my windshield looked comfy. Insurance claimed it was an "act of nature," conveniently not covered by my bare-bones policy. Lesson learned the hard way: cheaper premiums can bite back later. Now I always double-check exactly what's covered and what's excluded... because insurers definitely know how to dodge paying out when you least expect it.
Totally agree, comprehensive coverage is one of those things people often overlook until something unexpected happens. Curious though—did your insurer clearly explain the exclusions when you bought the policy, or was it buried in fine print? A lot of folks don't realize that "acts of nature" can include everything from hailstorms to falling branches. It's always worth asking specifically about glass coverage too; some insurers offer separate windshield protection that's pretty affordable. Might save headaches down the line...
