Honestly, I get the appeal of cutting back to liability, but I’ve seen too many folks regret it after a fender bender that wasn’t their fault and the other driver had lousy insurance. Even on an older car, sometimes the peace of mind is worth a few extra bucks—especially if you’re attached to your ride or it’s in better shape than most on the road. I guess it depends how much you trust your luck... but for me, I’d rather not roll the dice with something I rely on every day.
Yeah, I get where you’re coming from. I’ve had friends who dropped full coverage and then got rear-ended by someone with the bare minimum. They ended up paying out of pocket for stuff that wasn’t even their fault. Like you said,
. For me, if my car gets me to work every day, I’m not risking it just to save a bit each month.sometimes the peace of mind is worth a few extra bucks
I get what you mean about peace of mind, but I’ve been labeled “high risk” for a couple years now and my premiums are wild. Honestly, I’ve looked into dropping full coverage, but then I hear stories like yours—
—and it makes me hesitate. Did your friends have uninsured motorist coverage? That’s supposed to help in those situations, but I’m never sure if it actually covers enough. It’s tough to balance saving money and not getting burned later.sometimes the peace of mind is worth a few extra bucks
Did your friends have uninsured motorist coverage? That’s supposed to help in those situations, but I’m never sure if it actually covers enough.
- Uninsured motorist (UM) coverage definitely helps, but the limits matter. A lot of folks just carry the state minimum, which barely covers anything if you get hit hard.
- I’ve been through a claim with UM before—covered my medical bills, but my car was a total loss and it didn’t come close to replacing it.
- If you’re high risk, maybe look into raising your deductible instead of dropping full coverage entirely. Sometimes that shaves off a chunk without leaving you exposed.
- Peace of mind is great, but yeah... those premiums are brutal. It’s always a gamble.
I always wonder if it’s worth paying extra for higher UM limits, especially since so many drivers out there are uninsured or underinsured. Has anyone actually had their UM coverage make a real difference after a bad accident? I keep thinking about dropping mine, but then I get nervous every time I see someone driving like a maniac on my commute...
