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Schneed10 · 09-05-2007, 04:04 PM

The reason you're hearing people throwing out names of all different companies is that no one company dominates any area. Car insurance is very regional; each company has their own price points based on certain areas. State Farm might be the cheapest in one area, and one county over, the most expensive. Really, you just have to shop it around to find the lowest rate.

I'd be very hesitant to drop coverage. Certainly, never ever ever drop the underinsured coverage, the non-insured coverage, and keep your medical limits nice and high. I work at a chain of hospitals; trauma bills get VERY high. If they get high enough to clear your coverage, you can be financially ruined.

I'm also always hesitant to drop collision coverage. The worst thing is if you total your car and don't get any money back for it - forcing you into having to buy a new car. At least if you have the collision coverage, you get the blue book value on your totaled car, and you can put that towards a new one.

In the end, you're going to have high rates because you're young and male. Hang in there, the rates only go down from here.

09-05-2007, 04:04 PM	#30
Schneed10 A Dude Join Date: Feb 2005 Location: Newtown Square, PA Age: 46 Posts: 12,458	Re: car insurance The reason you're hearing people throwing out names of all different companies is that no one company dominates any area. Car insurance is very regional; each company has their own price points based on certain areas. State Farm might be the cheapest in one area, and one county over, the most expensive. Really, you just have to shop it around to find the lowest rate. I'd be very hesitant to drop coverage. Certainly, never ever ever drop the underinsured coverage, the non-insured coverage, and keep your medical limits nice and high. I work at a chain of hospitals; trauma bills get VERY high. If they get high enough to clear your coverage, you can be financially ruined. I'm also always hesitant to drop collision coverage. The worst thing is if you total your car and don't get any money back for it - forcing you into having to buy a new car. At least if you have the collision coverage, you get the blue book value on your totaled car, and you can put that towards a new one. In the end, you're going to have high rates because you're young and male. Hang in there, the rates only go down from here. __________________ God made certain people to play football. He was one of them.