"Honestly, setting aside a bit each month into savings feels safer than paying extra for something I might never need."
I get where you're coming from, especially with kids and all. But think about it like this: it's kinda like having a spare tire in your classic car—you hope you'll never need it, but if you do, man, you're glad it's there. Accident forgiveness could save you from a hefty premium hike after just one mishap. Maybe crunch the numbers again? Might be worth the peace of mind...
I see your point, but honestly, it depends a lot on your driving record. I've had a couple speeding tickets myself (nothing too crazy, just a bit of a lead foot...), and after one minor fender bender, my premiums shot up big-time. Accident forgiveness might've saved me some cash there. Still, I totally get wanting to just stash that money instead—especially if you're careful behind the wheel. Guess it's all about knowing yourself and how much risk you're comfortable with.
Yeah, I hear you—it's definitely a balancing act. I've been commuting daily for years now, and honestly, accident forgiveness always seemed like an extra expense I didn't need. But after one slippery winter morning and a minor bump (nothing major, thankfully), my rates jumped noticeably. If you're budget-conscious like me, just weigh the monthly cost against how much your premiums could spike after an accident. It might feel unnecessary now, but sometimes peace of mind is worth a few extra bucks each month...
- Honestly, I skipped accident forgiveness for years thinking "nah, I'm a careful driver"... then BAM, black ice had other plans. Premiums shot up like my blood pressure. Lesson learned: Ohio winters don't play nice, folks.
"then BAM, black ice had other plans."
Man, I feel this. Always thought accident forgiveness was just another upsell until I slid my old Mustang sideways into a mailbox one icy morning... mailbox was fine, my pride (and premiums) not so much. Ohio winters keep us humble, that's for sure.
