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Bird_Brain4101112 t1_j42mqpm wrote

Reply to comment by AdAntique5099 in Hit a deer, not good for the deer or the car (PA insurance Q) by [deleted]

I used $100 as an example. Overall I’m just saying isn’t this why you pay for insurance? (Aside from it being legally required).

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AdAntique5099 t1_j4394gc wrote

It is, however-- if financially it makes more sense to pay a one-time out of pocket vs. several years of a higher rate is what I'm trying to understand. My current plan is to submit, and if the rate goes up-- I will then shop for a new insurance provider. See what happens.

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Bird_Brain4101112 t1_j43f3g6 wrote

I had an at fault accident and my rates went up like $50/mo for about two years than dropped back down. Plus I got rental coverage for the entire 40 ish days my car was in the shop. No way paying out of pocket wild have saved me money, even in the long run. This is a single anecdote but just putting it out there.

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