Full coverage insurance
 

How many have full coverage insurance on their SVX? Is it worth having on a 13 year old car? I have it, but I'm thinking of droping it. Allstate charges me around 1100 a year, is this good?

I have full coverage on my 96LSi here outside of Baltimore

200,000/400,000/200,000 with 250.00 collision and 100.00 comprehensive.

State Farm charges me $650/year with multi-line discount for other vehicles insured and homeowners insurance.

I have full coverage on mine. Shotsky (a member on the Yahoo site) didn't and he realized after hitting a SUV, that he should have. Personally, I think it is a good idea. :)

I dont and i pay 1300 dollars a year for it. I guess that's the joy of being 19 with a brother who's been in 3 big accidents and gotten a bazillion tickets my insurance knows i'm a danger to them (but i love the car too much to drive like him! So they're making a killing on me!)

I had full coverage for the first two years.

Good thing when my rear windsheild was crashed and I got rear ended. Both events were fully covered.

After the rebuild I downgraded to liability.

Lo and behold my front windsheild gets attacked and it's an out of pocket expense.

In this particular instance the difference from my annual coverage and the windsheild reinstall expenses costed me about $400.

In my opinion unless you anticipate collecting at least $1500 in coverable damage per year full coverage isn't necessary.

Liability costs me about $50 a month with my age and record.

I keep full coverage on everything.
Even my 222k svx.
With the amount of unregistered, uninsured motorists around here I want to be covered no matter what.

The difference between full coverage and liability is about $10.00 per month. It isn't enough to even consider dropping it. :)

you lucky people......New jersey sucks. I pay....lemme see here a sec... 2400 dollars a year for JUST LIABILITY! No tickets or points on my licence either. and yeah, that was the cheapest I was quoted :mad:

so get full coverage you cheap-o :rolleyes:

Save your money and move to PA.

$1105 per year full coverage.... Higher than my wife's 2004 LS300.:eek:

Pa SUCKS for rates too. Lived there for 39 years.

As the years went by, it seemed all the insurance companies increased the rates for all areas close to Philadelphia. Yep, lived almost 90 minutes away and still had to pay for all those uninusred and underinsured motorists. And the congestion, and the commuters.....


Move South my man.....move south

On a serious note, pay the extra for the full coverage.

When my '94 was totaled the insurance company gave me the high NADA figure which was more than what i paid for the car. It is well worth the money in the long run.

Same thing for me. The insurance company gave me ... done forgot... I think it was $3,800. I only paid 2k for the car, and that included shipping. I rebuilt it myself for a thousand...including the price for a welding machine I bought for the occassion. So I'm up about 800 on the car.:)