You need full coverage if you are financing a car, end of story. It’s not optional; it’s basically a rule of the road. Lenders require it, and it protects you from financial disaster.
Think of it as the cost of doing business with a shiny new (or new-to-you) vehicle. Once you own it outright, you can drop it and feel like a rebel. Until then, just pay the premium, drive safely, and maybe avoid parking next to teenagers in grocery store lots.
And if you ever feel like complaining about the cost, just remember: it’s cheaper than buying a new engine or paying off a loan for a car that’s now a cube of metal. That’s peace of mind, my friend.
