Better Insurance Options?

Just be wary of getting minimum insurance. If you hit a new vehicle today and its totaled, and they often are, you will be paying a lot out of your pocket. Lots of newer vehicles are in the 80-120K range or more, my new f450 was 100k. my state minimum is 35K, which won't go very far today. same for personal injury. Better have an umbrella policy.
 
If you are eligible to join USAA, contemplate it. They are a solid insurance company. We haven't had a rate increase in three years, which was when I increased coverages myself.
 
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