I get your point about peace of mind, but honestly, I'm still on the fence about it. A few years ago, I had a similar dilemma when renewing my policy....

Yeah, going higher deductible definitely has its perks, especially if you're careful. I've always been the cautious type myself—never speeding, always...

Yeah, makes sense they'd only really dig into it if you filed a claim. Reminds me of my buddy who had his custom rims stolen—insurance grilled him pre...

I see your point there. Had a buddy once who hit a deer on a foggy morning—totaled his car, and the insurance treated it like just another random comp...

Yeah, found that out myself the hard way. Funny thing is, my insurer was super strict about zip codes too, but they gave me a decent discount for inst...