re: Car Insurance Question

quote:

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It never has. Maybe I should have a talk with my agent

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I would. There should be a premium breakdown on your quote. Take a look at the comp and collision numbers and see what risk tolerance you have.

Like I said, the liability and property damage to other is what it is. Obviously the higher the limit the higher the rate.

But the other side should be inverse to the potential payout like that 40K vs 2k example. And then look at your deductible to insured value. If you have a vehicle worth 5k replacement cost and you have a 1k deductible you are already retaining 20% of the risk.

best of luck