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#1: 10-08-2012, 11:31 AM
Insurance Policy...are these too HIGH?
 
 tocinoman25
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Hey all! I was curious to see what most LGT owners auto insurance policy is, because I'd like to save money like anyone else in this tough economy, especially being a new homeowner. My policy coverage is as follows....

Liability -Bodily Injury/PropertyDamage 100K each person/ 300K each accident/ 50K each accident

Uninsured Motor Vehicle-Bodily Injury 100K each person/ 300K each accident

Underinsured Motor Vehicle 100K each person/ 300K each accident

Comprehensive Deductible 500

Collision Deductible 250

Medical Payments 5K

Current policy with State Farm 1200/year
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I was thinking of changing it to a lower value, such as...

Liability -Bodily Injury/PropertyDamage 25K each person/ 50K each accident/ 25K each accident

Uninsured Motor Vehicle-Bodily Injury 25K each person/ 50K each accident

Underinsured Motor Vehicle 25K each person/ 50K each accident

Comprehensive Deductible 250

Collision Deductible 250

Medical Payments 1K

Quote from Liberty Mutual...875/year

I feel that these #s may be a bit low, but considering my safe driving and defensive driving...i could save a few hundred dollars...

Do share your thoughts on this important matter, not only for myself, but for many that are interested in looking into their policy. I got an amazing quote from Liberty Mutual and worth looking in to. I have been with Allstate and State Farm ever since and feel its overpriced...

Im paying 1200/ year with State Farm in Chicago 31 year old male with clean driving record

Liberty Mutual Quoted me 875/ year but with those lower numbers listed

To switch or not to switch?

Last edited by tocinoman25; 10-08-2012 at 11:35 AM.. Reason: added pricing
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