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re: Car Insurance Experts advice needed
Posted on 4/30/14 at 11:50 am to Mr.Perfect
Posted on 4/30/14 at 11:50 am to Mr.Perfect
vehicle worth $5000 tops and want to carry best, but as minimal as I can get away with.
3
Posted on 4/30/14 at 11:53 am to jmon
Best but minimal doesn't exist.
Posted on 4/30/14 at 11:58 am to jmon
quote:
want to carry best, but as minimal as I can get away with.
quote:
True. Just saying, this guy has know idea what he's doing. Needs to talk to a pro.
then do what Grouper said.
because best and minimal are usually mutually exclusive in insurance.
just start thinking about whether or not you want to take on the risk of someone hitting your car, or a tree falling on it. do you want to "self fund" or pay for indemnity.
and as far as limits go, are you 100% sure that you will never be found liable for an accident that would exceed $15,000 in bodily injury or death to the other individuals involved? if so get state minimum. If you want to protect your assets and future earnings, decide what that level is and purchase the protection.
best of luck sir and drive safe
Posted on 4/30/14 at 11:58 am to jmon
quote:
vehicle worth $5000 tops and want to carry best, but as minimal as I can get away with.
Get quoted on full comp and collision. Maybe carry a 1000 collision ded at most. Check price on 500 though and compare savings
Get quotes on 50/100/50 liability limits 15/30 UM limits 5000 med pay
Compare price to upping limits to 100/300/100 w/ 15/30 UM 5000 med pay and see premium increase... may be worth your extra dollars.
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