The only reason you’d ever want to pay more at the pump is because your owner’s manual specifically says that your car needs it.
The one real difference between regular and premium gas is in how long it takes to combust. Premium gas has a high octane level, which means it requires more pressure from the engine to do its job. In high-performance cars, low-octane gas can ignite too quickly. This is bad for the car and causes a loud noise called “engine knock.” In other words, a high-performance car demanding premium gas must use premium gas to avoid damaging the engine.
But premium gas makes no difference in a regular car, so don’t waste your money.