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re: Best Auto Insurance?

Posted on 5/1/15 at 11:08 am to
Posted by Paul Allen
Montauk, NY
Member since Nov 2007
75392 posts
Posted on 5/1/15 at 11:08 am to
Get a 50/100/50 policy along with a 1,000,000 umbrella.

/thread
Posted by yellowfin
Coastal Bar
Member since May 2006
97830 posts
Posted on 5/1/15 at 2:30 pm to
Couldn't get an umbrella with those liab limits last time I checked with state farm

it was minimum 100/300
Posted by mctiger1985
Baton Rouge
Member since Oct 2009
3693 posts
Posted on 5/1/15 at 8:33 pm to
Whats the point of an umbrella with that low of auto limits. Wouldn't you still habe to cover a good bit by yourself before umbrella picks up?
Posted by 632627
LA
Member since Dec 2011
12875 posts
Posted on 7/21/15 at 3:58 pm to
quote:

Get a 50/100/50 policy along with a 1,000,000 umbrella.

/thread


you need to max out your limits before getting an umbrella.

the answer to best insurance depends on a few factors, most importantly are what assets are you trying to protect. Also, i maxed out my UM limits. I'm worried a lot more about some uninsured retard hitting me, then myself doing something dumb.
Posted by tes fou
Member since Feb 2014
839 posts
Posted on 10/30/18 at 5:33 pm to
Most companies with umbrella make you up your limits on the underlying policy to at least $300,000. We switched to USAA recently and that was the minimum they would allow.

We have had good luck with State Farm in the past, had a run in and cancelled them, now using USAA for personal, Hanover and Liberty Mutual for business. At least one Business policy tends to change pretty frequently as our broker shops them every year, changing for $200/yr probably not worth the trouble.
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