Yeah, totally agree—“full coverage” is one of those phrases that sounds way more secure than it actually is. I learned that the hard way after a fender bender last year. Thought I was good, but turns out my rental coverage only paid up to $25 a day... which barely covered a scooter, let alone a car. Ended up paying out of pocket for something I assumed was just standard.
I’ve also noticed that some companies sneak in weird exclusions or super high deductibles on stuff like glass repair. It’s wild how much those little details can change what you actually get when you need it. Now I go line by line through the declarations page and ask about every section—probably annoys the agents, but whatever.
One thing I’d add: if you’ve got tickets or accidents (like me), double-check how surcharges work over time. Some policies drop them after three years, others keep them longer, and that can make a huge difference in your bill. Not all “discounts” are created equal either—sometimes switching companies resets the clock on those things. Insurance is kind of a maze, honestly.
