Ok,

I am in the process of paying off my car infull, Now my question is IF i wanted to cut some corners with insurance MEAN i have full coverage now instead of going all the way to complete liability is there something thats still good coverage but for less? I this is my insurance plan as of right now:
So what can be lowered so i still have protection? i pay $184 for full coverage!

 

well wahts ur states mins? and is ur car paid off?

 

its not paid off yet...im about to pay it off. Thats why i wanna know what is the lowest insurance i can get to still have protection IF i crash or get broken into.

 

there are a few ways
go liability(only when paid off)
go state mins
raise your deductable(only when paid off)

 

I would keep our liabilities at 20/40 its great incase someone without ins hits you or if you have someone in the car. probably take off comprehensive but keep theft and fire on. should save you a bit there..

 

so keep everything the same except comprehensive?????

 

wow man, how ld are you??? a lot of tickets???
You are getting the barely minimium ins now... no towing, no rental, no med, no UM UIM!!!
20/40 is not good unless you are looking for mininum cov.
even if you paid off your car, you still want at least this cov since you still have a fairly new car.
I am an ins agent so I don't suggest to low the cov anymore.
Anyway, I still think you are paying too much. You might want to check around and see what's the best you can get.

 

$184 for full coverage!?

Want to switch with my $2500 per 6 month quotes. And I just payed the car off..

 

I agree, it seems like you are paying way too much. I have a 2000 w/full coverage, rental for 30 days, and have my 02 F150 & 02 Civic on the insurance and about the same as you do.
Shop around and see if you can get better pricing..

 

Easiest way to lower payments is to increase your deductible. Try $1000.

 

well it also depends on how old you are, driving record, what other cars are on ur insurrance, martial status...

you can always increase ur deductible like others have said, i personally am not too excited about doing that to cut cost..

 

my driving record is great. I am 22 and my man is 29 so we're up there together.
We have our house up there, my truck , my car and our beater car so 3 vehicles and a house.
Like i said i pay $184 want it a lil lower so if i go to liability if i get into a accident, im hit if its my fault.?