Hey fortbethel. I am insured with State Farm with Full Coverage for $480.00/year. If you are just going to keep liability I would ask to see if you could at least add uninsured/underinsured coverage to your minimum coverage policy. It basically protects you from the "other" guy. Also check to see what, if you have other vehicles with the same company, your policy for those autos cover. Most of the time, some of the coverage that you pay for on another vehicle will cover all of your vehicles under the same policy without having to essentially pay twice (its transferrable when needed). For example: My wifes car is strictly liability but, we have uninsured/underinsured motorists coverage on her car because it saves roughly $150.00/year when compared to what it would cost on any other vehicle we have, plus, it covers all of our vehicles with the same policy. Wierd huh! Alot of insurance companies neglect to tell you this in order to get you to overpay for something you really don't need to pay for. Most insurance companies would ask you to pay for an extra bit of coverage like this on all of your vehicles when you really don't have to. Depending on what insurance agency you go with, I think you may be surprised how close to full coverage this can come without the price penalty. I'm not really familiar with other insurance companies and what they offer as I have been with State Farm for many years and they are all I know. But I would at least check into it.
Hope this helps.
The Secret To Creativity Is knowing How To Hide Your Sources. -Albert Einstein
Last edited by scaryfast777; 07-24-2008 at 10:45 PM.