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As a 27 year old who's never been in an accident, and who's only had two speeding tickets, I'm sure my insurance is too much at $755 per 6 months. I know it's partly due, according to my agent, natural rate increases but I don't know how much of that is reasonable.
Can anyone give me advice on certain aspects of coverage that I may not really need?
Bodily Injury Liability
$500,000 each person/accident(costs me $190)
Property Damage Liability
$100,000 each accident($180)
Medical Payments(not sure what this is for)
$5,000 each person($20)
Uninsured motorists-bodily injury
$500,000 each person/accident($55)
Uninsured motorists-property damage
$500,000 each person, $250 deductible($46)
This gets a little confusing here, there's some deal where both of these have "$1,500 in customization"
Non-collision damage to my auto
Collision damage to my auto
I'm thinking I might try haggling on the coverage of my auto, I don't know if my consistent repairs on my car should be any indication of its poor value and lower the insurance cost, or my driving schedule/habits.
So, any thoughts on places I could cut without asking for trouble? My whole reason for being concerned, is that when I officially had to get the insurance on my own, I swear I was quoted at roughly $530 for 6 months, and that was only 2 or 2 and a half years ago.