Do you think this is a good price for auto insurance?

Auto Insurance
Is $201.12 a month for full coverage from State Farm a good deal? Progressive quoted me for $285 a month and it doesnt even include UM and the liability is at 10/20/25. State farm would cover me 25/50/25, auto death indemnity, UM, and more.

I am a 22 year old female and i just got my license in Feb 07, and i live in Miami.
This is for a 2003 Honda Civic LX 2dr coupe (paid in full). This is my first car.

I was just wondering, if this is a good price compared to other people my age with similar coverage. I know my friend is paying $300 a month for his and hes 24.

September 28, 2009 | Tags: , , , | 7 Comments »

Auto Insurance Coverage – How much coverage should I buy?

Auto Insurance
Next week, I’ll be switching to another auto insurance. My previous limits with another company were:

-minimum MD state 20/40/15 for Bodily Injury, Uninsured Motorist, and property damage
-PIP $2500
-250/500 for Comprehensive/Collision, had road service, towing, and rental.
I don’t have many assets. I’m a renter and I live from paycheck to paycheck. I have no accidents, no tickets, and no violations for the last 8 years. I’m a cautious driver. I drive a 2003 Honda Civic.
The new insurance company is offering me $759/year for the limits 100/300/100 Bodily Injury Liability and matching for Uninsured Motorist + Property Damage, 250/500 for Comp/Coll, road service, towing, and rentals, PIP 2500.
I’ve seen different answers that say 100/300/100 would be better for those who own a house and have a better income.
What do you think is a recommended coverage going?

August 3, 2009 | Tags: , , , | 4 Comments »