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Jazz, I'm not an insurance professional, but isn't suggesting $100K/$300K insurance to a college student a bit much? Maybe if the car and/or policy is still linked to his parents, then there might be more to 'go after' if the worst happens, but if the OP has fewer assets that $100K, I don't see the reason for a higher premium than he needs to pay.
Your other comment about someone borrowing your car and banging it up hits on a recent auto commercial I have seen that implies the opposite. I don't recall the company that was offering it, maybe Allstate, but the commercial implies the opposite and basically claims the idea of being covered no matter who you loan your car to as a totally new idea and exclusive to them. What a crock! Does that approach false advertising?
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You do not really understand something unless you can explain it to your grandmother.
- Albert Einstein
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