[boefixepa]

For the first time I had some assests and had been carrying only the state mins like you. I knew I'd be in hot water if I happened to total someone elses nice car. Before I didn't care because I didn't have anything. But know I do and I want to protect it. So this month when I had to renew I did the 100/300 coverage. I have full coverage and the highest deductables possible. Since I have accident coverage on my health insurance I was able to waiver personal medical expenses on the underinsured/uninsured categories. So there was a discount there. I also have a clean record, another discount, and I have my house insurance through them, another discount. I went from 15/30 coverage to 100/300 coverage and I am only paying $50 a year more!! Boy was I surprised. So I have full coverage for one care/driver for $470! I was pleased. I think raising my deductable helped, and since I have an EF that's fine. I'd rather keep the money yearly. I went into the angency and told them to educate me because I did not feel like I knew enough about what I was buying. I'm glad I did. You may want to try something like that.
Oh, and I recieved another discount for being with them for so many years and not having a claim. I think they just like making money off me...but oh well, at least I get a deal for something I have to have any way.