Quote:
Originally Posted by retiredguy123
My liability insurance coverage is less than half of my total premium with State Farm, and I have $1 million in liability coverage. I have no uninsured motorist because it is optional in Florida, and I would never file a claim under that coverage.
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I guess if you drive a Rolls Royce you might manage to get a bill from State Farm where a million dollars of liability would be half your vehicle coverage.
Here in my world, these are the actual figures from USAA for a 2020 Kia Sorento and $150K of liability insurance:
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Total 6 month premium $618.65
Comprehensive $29.44
Collision $91.89
Total vehicle insurance $121.33
Bodily injury ($150K) $211.33
Property Damage ($50K) $77.39
Work loss $53.81
Total liability insurance $342.53
% liability compared to comprehensive/collision: 282%
Uninsured motorist $154.79
% Uninsured motorist compared to comprehensive/collision: 128%
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I would be very tempted to drop the uninsured motorist if we never carried any passengers. But my wife is always driving her quilting buddies to some "retreat" or other boondoggle, and with all the illegal "migrants" on the roads in Florida, that just seems like a sucker bet to me.
But I'll call a State farm guy, just to make sure USAA isn't picking my pocket. USAA has been the cheapest every time I've checked, but who knows? It sure would be interesting to see the numbers on your Rolls, though.