So.. like I said, I'm betting on myself because I'm careful and I take extra measures to protect my car from you people with low deductables.
I might get burned in the short term, but I'm sure to come out ahead in the long run based on my 17 year driving history and my 4 mile back-road commute.
I'd rather keep my 2k in the bank just in case I need it, as opposed to giving an extra $1,000 annually to an insurance company just in case I need it. Since I'm capable of absorbing a 2k hit on short notice, this is a good bet.
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