I’ve got two kids and honestly, I’d rather pay a bit more than risk being stranded or dealing with a mess if something happens. Saving money’s great, but not if it means more stress down the line.
Totally get where you’re coming from. There’s something to be said for just knowing you’re covered, especially with kids in the mix. I see a lot of folks try to trim their policies down to the bare minimum, but then when something actually happens—like a fender bender or even just a flat tire—they end up wishing they’d kept that roadside assistance or rental coverage. It’s one of those things you don’t really appreciate until you need it.
That said, there are ways to keep the peace of mind without necessarily overpaying. Sometimes people are surprised by how much they can save just by tweaking deductibles or dropping extras they never use (like rental car coverage if you’ve got a backup vehicle at home). But yeah, if you’re in a spot where you’re driving kids around and don’t want to gamble, sticking with the extra coverage makes sense.
Funny enough, my neighbor tried to cut his bill by switching to liability-only on his older car. Two months later, someone sideswiped him in a parking lot and took off. No witnesses, no note, nothing. He was kicking himself because he had to pay out of pocket for the repairs. He ended up going back to full coverage after that.
I guess it’s all about what helps you sleep at night. If paying a little more means less stress when you’re out and about with your family, that’s probably worth it. Maybe down the road, like you said, when the car’s older or your situation changes, it’ll make more sense to scale back. For now, sounds like you’ve got your priorities straight.
Can’t blame you for wanting that extra coverage, especially with kids. I used to think I was overpaying until I had a flat on the highway and roadside assistance saved my butt—definitely not something I’d want to deal with if my niece and nephew were in the backseat. It’s easy to get caught up in saving a few bucks, but peace of mind really does count for something. You’re making the call that works for your family, and that’s what matters.
That’s exactly what I keep going back and forth on—peace of mind vs. saving cash. Had a similar thing happen last winter, got stuck on an icy backroad with my two in the car, and honestly, I was so relieved to have the tow coverage. But then I see friends dropping to bare minimum and putting the savings toward other stuff, like kids’ activities or even just groceries. Curious, has anyone actually regretted cutting back on coverage after making the switch? Or is it mostly just anxiety talking?
Cutting Coverage: Worth It or Not?
Been there myself—commute’s about 40 miles round trip, so I’ve had to weigh this a lot. Here’s what happened when I dropped down to liability-only last year:
- Saved about $60/month, which felt awesome at first.
- First few months, I was on edge every time it snowed or I heard a weird noise from the car.
- Had a minor fender bender in a parking lot. My fault, and the repair cost more than what I’d saved in six months.
Honestly, the anxiety faded after a while, but that one incident stung. If you’ve got a newer car or drive a lot with kids, I’d say the peace of mind is worth something. But if your car’s older and you can stash the savings for emergencies, it might make sense. Just depends how much risk you’re cool with. For me, I ended up adding roadside back in—couldn’t shake that “what if” feeling after getting stuck once.
Cutting Coverage: Worth It or Not?
Honestly, I see this all the time—folks drop to liability thinking they’ll pocket the savings, but then one random mishap wipes it out. It’s like playing insurance roulette. If your car’s not worth much, sure, liability can make sense. But for daily drivers or anything you’d actually miss if it got totaled? That “what if” feeling is real. I always tell people: weigh the actual cost to replace your ride, not just the monthly bill. Sometimes peace of mind is worth a few extra bucks... especially when winter hits and everyone forgets how to drive.
