Cutting back on streaming to keep your coverage—yeah, I get that. It’s wild how fast those little monthly charges add up, but one accident can wipe out years of “savings” if you’re underinsured. I’ve always kept liability maxed out too, even when my car was a total beater. Just feels like the one thing you can’t really skimp on, right?
I do wonder sometimes about collision and comp though. My last car was barely worth $2k, so I dropped both and just crossed my fingers. Never needed it, but I’ll admit I had a few nervous moments in icy parking lots... Uninsured motorist is another one I won’t mess with—had a friend get rear-ended by someone with nothing, and it was a nightmare.
It’s such a weird balance between peace of mind and not overpaying. Sounds like you’ve got a pretty sensible approach. Ever notice how everyone’s “must-have” coverage is different? Makes me feel better about second-guessing myself every renewal.
I do wonder sometimes about collision and comp though. My last car was barely worth $2k, so I dropped both and just crossed my fingers.
Honestly, I’ve seen people pay more in premiums than their car’s worth, which just doesn’t add up. Liability and uninsured motorist are the real non-negotiables for me too. Had a client once who thought they were saving money by skimping on liability—one fender bender later, they were on the hook for thousands. It’s wild how fast things can go sideways.
Cutting My Car Insurance Bill In Half—Didn’t Think It Was Possible Here
Man, I feel this. My last car was such a beater, I think the only thing worth insuring was the air freshener hanging from the mirror. I dropped collision and comp too—figured if it got totaled, I'd just have to mourn my cassette collection and move on. But yeah, liability is a must. Saw my neighbor get sued over a parking lot scrape... dude’s still salty about it years later. Sometimes saving a few bucks up front just isn’t worth the headache down the road.
I dropped collision and comp too—figured if it got totaled, I'd just have to mourn my cassette collection and move on.
That’s basically where I landed with my old Civic. Once it hit 200k miles, I realized the insurance was worth more than the car. Still, I kept liability after seeing a buddy get hit with a lawsuit over a fender bender. It’s wild how fast a “cheap” car can get expensive if you’re not careful.
