Quote:
Originally Posted by retiredguy123
To clarify, here are my actual State Farm rates. I did forget to include the property damage liability premium in my original post. I drive a 5 year old Ford Escape, not a Rolls.
Bodily injury liability, $1 million - $180.25
Property damage liability, $500K - $56.93
Comprehensive, $500 ded - $43.24
Collision, $500 ded - $82.30
No fault, mandatory - $33.68
Total 6 month premium - $396.40
Note that my premium would be a lot less if I reduced the liability coverage. Regarding uninsured motorist coverage, if I drive someone around in my vehicle and they get injured by an uninsured motorist, I consider it their problem. But, if I cause an accident, I have liability insurance for my own liability. Good luck.
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I have a 12 month policy.
Bodily injury liability, $250/500 - $362
Property damage liability, $100K - $129
Medical Payments - $20
Uninsured - $250/500 - $227
Comprehensive, $500 ded - $54
Collision, $500 ded - $173
No fault, mandatory - $83
Extended no fault - $16
Extended Transportation - $20
Roadside Assistance - $22
Total $1106.00
It looks like I could save $263 by dropping med pay, uninsured, and extended no fault. Do most people have those coverages??