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Originally Posted by dewilson58
MORE IMPORTANT (well almost) than the coverage are the exclusions. This is a critical section which goes unread.
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Like what exclusions so I can check? Not quite sure what they can exclude under collision, comp, bodily injury, PIP, UIM. Obviously this isn't intended to sell anyone insurance, just what I found in a few days of pricing using (relatively) equal coverage amounts that I thought MIGHT be interesting info. I've seen lots of posts over the years saying things like "I pay $200 a year from XYZ" without listing the OBVIOUS AND MOST IMPORTANT data points to make the comparison as "apples to apples" as one can get. OF COURSE there may be some differences which is why I chose MAJOR companies rather some fly-by-night low ball insurers. Not sure there could be too many exclusions that would change pricing by hundreds of dollars. Sorry that I was unable to post each full contract so an attorney can inspect all the details.