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Originally Posted by braisler
Also consider how much coverage you really need. Do you need to have 250K/500K coverage? Or will 100K/300K or 50K/150K be enough?
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Um, first of all, I would be ecstatic at insurance that's only ~$600 a year, per car.
Anyway, $50-150K coverage? With today's medical costs? One minor accident, with you and a passenger being required to stay in the hospital overnight and have CAT scans will run you $100K, easy. A bad accident can easily run you close to $500K. Having low coverage is just asking for trouble down the road.
Second is the added un-insured driver insurance (that most people don't have). It's only a few extra bucks a month, and covers you if you are in an accident with a driver with no insurance. Trust me, it makes a big difference. I grew up with a mother that did personal injury law...you wouldn't believe how often these types of accidents occur.